As a personal portfolio grows

Size: px
Start display at page:

Download "As a personal portfolio grows"

Transcription

1 The Top Portfolio Management Software By Z. Joe Lan As a personal portfolio grows through the years, it often encompasses several investment accounts, including 401(k)s, IRAs, brokerage accounts and savings accounts. Tracking all these accounts accurately is an arduous task, and many investors require help. Portfolio management software programs, which have become increasingly powerful over the years, continue to improve and are well equipped to help individual investors monitor their personal portfolios. In this issue s Comparison, we examine three portfolio management software programs: Investment Account Manager Version 2, Fund Manager 12 and Quicken Premier These three software programs have made appearances in our previous Comparison articles. In addition to updating their features and functions, I take it one step further here and provide hands-on examples of how to create a portfolio using these software packages and show a few of the noteworthy reports. Why Software? The development and expansion of high-speed Internet means that sophisticated tools can be run from your Web browser. Over the years, Web-based portfolio trackers have become very popular, and they now significantly outnumber portfolio tracking software. Web-based portfolio trackers offer real-time price updates (usually for a fee) and inform you of up-to-the-minute news articles on holdings in your portfolio. The best online portfolio managers can sync directly with your investment accounts, meaning you do not need to enter updates manually. But while Web-based portfolio trackers are capable tools, softwarebased portfolio managers still represent a significant upgrade in many areas. The main difference I have no- Software-based portfolio managers still represent a signifi cant upgrade in many areas. ticed with software is the abundance of powerful reports that are not available for Web-based programs. In addition, software programs are able to better calculate gains and losses and performance for individual portfolios as well as total performance for multiple portfolios. It is also worth noting that there are no Mac-based software packages worth mentioning. Quicken, which is reviewed in this comparison, does offer a Mac-based Quicken Essentials that can track your portfolio and individual stock values, but the program does not offer the investment reports that Quicken Premier provides. The best bet for Mac users is the premium online portfolio tracker offered by Morningstar.com. If any Mac users among our members know of high-quality and capable portfolio software packages that they would like to share, we would be more than happy to perform a hands-on review. For a detailed comparison of online portfolio trackers, see the Fourth Quarter 2012 Computerized Investing Comparison. Features and Functionality Most capable portfolio management programs offer similar features. But since software is generally not free, matching your personal needs to a software program is a more important issue than it is when choosing between the free online portfolio trackers. The portfolio software packages that we review in this compari- son cost $100 or more, so be sure to select the most appropriate one for your needs. Our comparison grid on pages 24 and 25 details the features offered by our three picks. Costs and Time Commitments Investing in portfolio management software will inevitably come with certain costs. In addition to monetary costs, you need to consider the time you will spend learning to use the program. What it takes to configure the program, how easy it is to use and how well it can handle your personal needs will eventually become larger factors than the monetary cost of the program. If you are learning a new program, you should expect to spend a few days or even weeks getting to know how it works before being able to use it well. In our comparison, we made an effort to thoroughly use the programs in order to take an accurate gauge of each program s strengths and weaknesses. Luckily, two of the three programs offer fully functioning demos, allowing all potential users to try the program for themselves before purchasing (Quicken Premier does not offer a demo or trial version). Securities/Assets Handled The importance of a program s ability to handle a variety of different securities cannot be overstated. When you are looking at a program, especially if you have a long investment future, consider not only if it can handle the investments you currently own, but also if it will be able to track investments that you may likely own in the future. Programs are available that specialize in certain areas, such as options. However, for the purposes of this comparison, our focus is on programs that support the securities that most individual investors own, the 22 Computerized Investing

2 most important being stocks, bonds and funds. A program s ability to distinguish between the asset types is particularly important, as it ensures that asset allocation and industry reports will be generated correctly. An investor s ability to quickly and accurately assess asset allocation is critical. Transactions Handled The transactions supported by a portfolio management program are closely related to the types of securities that the software handles. All of the programs compared here handle standard transactions such as buying and selling securities and receiving cash dividends. Each of these programs handle enough types of transactions to cover most individual investors needs. All of these programs allow you to specify security lot assignments for a transaction. This feature is useful for tax liability issues and tracking performance. A lot is the total number of units involved in a given trade. If you reinvest dividends from your mutual funds and stocks, you will find yourself tracking numerous lots over a long period of time. Any solid portfolio management package will automatically match buy and sell lots for different accounting strategies for the purpose of reducing tax exposure. The strategies include: first-in-first-out (FIFO), average cost and specific lot. Having a program that can handle all three is convenient. Additionally, these portfolio management software programs can automatically download your transactions from a brokerage account. This saves a lot of time, sparing you from entering in each position and transaction. However, you may still have to enter costs basis for each position. Transaction Reports Reports allow you to analyze your portfolio and investments. The level of detail in reports is one of the biggest differences between paid portfolio management programs and their cheaper (often free) online counterparts. The three tools covered here vary in the types and flexibility of reporting. When choosing a program, be sure to check whether the program can generate the types of reports you want and other reports you may not currently use in your analysis. These extra reports might enhance the overall evaluation of your portfolio. While you want to be sure that a program provides enough flexibility and functionality to complete your analysis, again, you should consider possible future needs with regard to securities and transactions handled along with reporting capabilities. A program should provide reports for securities, industries, and asset classes that include performance and asset allocation analysis. The comparison grid lists the main report types offered by the portfolio management programs. The current holdings report lays out the composition of your portfolio. At a minimum, programs will list the securities that you hold, along with units, costs and current market value. Most software programs will also provide some asset allocation and gain/loss data right on the main page. The holdings by lot report breaks down portfolio composition into finer increments, indicating each purchase at a specific date and price. This gives a detailed history of your transactions and provides guidance for selling. Tax schedules are reports that pertain to Schedule B and Schedule D IRS forms. Designed for computing interest and dividends received from a portfolio, Schedule B reports allow you to estimate tax debt (or credit) before year-end statements arrive. Tax Schedule D reports compute long- and short-term capital gains and match assets that will yield capital gains with tax liabilities. Ideally, the program should also track foreign tax withheld on your securities to help ensure that proper credit is accounted for when filling out your taxes. Tax reports are provided for a given tax year, so programs generally include a dialog box to select the year to report upon. However, none of the portfolio management programs specializes in tax reporting, so their capabilities may be limited. Online brokerages now also provide detailed tax reports. But tax reports can be tricky; if your situation is complex, it may be prudent to consult with a tax professional. The projected cash flow report serves as a forecast of the expected portfolio cash income from dividends, interest, and bond maturities. This report is especially useful for investors such as those in retirement who rely heavily on incomerelated investments. Bond maturity schedules are highly useful in assisting investors to quickly redeploy capital that is coming due. They can also be used to help protect against interest rate risk, an important function given the current environment. Customizing of reports can be content-related, such as allowing you to choose the time period, or cosmetics-related, such as allowing you to select column and row headings or even font size. Portfolio alerts let you know when a security has crossed some predetermined price threshold. Such an alert may highlight the need for investigation that might otherwise go unnoticed. Performance Reports A basic part of the portfolio management process is to determine and analyze performance. Free online portfolio trackers generally cannot Fourth Quarter

3 COMPARISON: THE TOP PORTFOLIO MANAGEMENT PROGRAMS Program Name Company Telephone Website Price Demo Available (Cost) Platform (Mac, Windows) Maximum Portfolios/Securities per Portfolio Maximum Securities/Transactions per Security Quicken Premier 2013 Intuit, Inc. $99.99 Windows 1,000+/1,500+ 1,500+/unlimited Investment Account Manager Version 2 Quant IX Software, Inc. 800/ $139/$119 for AAII members (30 days free) Windows unlimited/unlimited unlimited/unlimited Securities/ Cash/Stocks/Mutual Funds/ETFs Assets Bonds (Fixed/Variable/Zero/PIK) (fixed/variable/zero) Handled Annuities Options/Futures/Warrants Real Estate/Partnerships User-Defined (options) Security Identification (Name/Ticker/CUSIP) (name/ticker) Classification Account Number/Management Firm Asset Class (Predefined/User-Defined) Industry (SIC Codes/User-Defined) (predefined) (predefined) Transactions Deposit/Withdrawal; Buy/Sell Handled Short/Cover Margin Receive/Deliver Security Return of Capital Dividends (Cash/Stock/Splits/Reinvest) Interest Income Bond (Discount/Premium/Amortization) Treatment of Fees/Commissions (discount/premium) Security Lot Assignments (Avg. Cost/FIFO/Specific Lot) Automatic Security Lot Assignment (FIFO/specific lot) (FIFO/specific lot) Reports Current Holdings Holdings by Lots Tax Schedules (Interest/Dividend/Capital Gains) Projected Cash Flow Customized Reports Portfolio Alerts Performance Security/Industry/Asset Reports Portfolio (Single/Multiple) Holding-Period/Between-Period Returns Value-Weighted IRR/Time-Weighted Returns Tax-Adjusted Returns Benchmark Comparison Follows GIPS Standards (value-weighted) Data Support Data Services Supported Quicken BetterInvesting, StockCentral,Yahoo!, Stock Investor Pro, Manifest Investing Imports Brokerage Transactions Import Formats Supported* Export Formats Supported* OFX, QFX, TurboTax QIF Captools, QIF, QFX, OFX XLS, PDF, TXT, CSV, DOC *Format Key: ASCII = universal plain text; CSV = comma-separated values; DOC = Word documents; OFX, QFX = Open Financial Exchange; PDF = Adobe Reader format; QIF, PRN = Quicken; TXT = text fi le set custom time ranges or generate performance for sub-portfolios, while performance reports in software programs alleviate both of these concerns. The comparison grid summarizes each program s performance report capabilities. The level of performance reports available is discussed more fully in the summaries of the programs that follow. A program should provide reports for securities, industries and asset classes that include performance and asset allocation analysis. Some programs allow for an examination 24 Computerized Investing

4 Fund Manager 12 Beiley Software, Inc. 480/ $89, personal; $295, professional (free) Windows personal, unlimited/500; pro, unlimited/2,000 unlimited/unlimited (options, futures) (user-defined) (security, asset) (time-weighted) (professional version) Internet OFX, QFX, QIF, PRN, CSV, TXT ASCII, CSV, QIF among various asset classes, while others provide industry, sector and individual security breakdowns. Reports covering single and multiple portfolios are important to address the diversified aspects of all your accounts. All three programs also offer between-period returns on reports, which allow you to monitor security performance during a known market environment: The programs store snapshots of your portfolios at various times and provide information on how portfolios perform during different market cycles. Some portfolio management programs offer the ability to calculate both a value-weighted (also referred to as a dollar-weighted) internal rate of return (IRR) and a time-weighted rate of return. The IRR tends to be the best gauge because it represents the rate of return earned by your investments. It considers the time when inflows and outflows are made to the portfolio, the amount of these flows and the combined impact upon the overall rate of return. The time-weighted return is most often used to analyze the performance of investment decisions made by a money manager. A time-weighted calculation ignores the impact of any cash added to or removed from the portfolio. However, inflows and outflows should be considered by individual investors, not only because an individual does have control over them, but also because they are very common with retirement accounts and will have a large impact on the portfolio s rate of return. Tax-adjusted return reports generate pretax and aftertax returns, calculating the tax liabilities of your transactions and reporting the impact on the rate of return. Data Support Portfolio software programs are able to download prices and portfolio values from the Internet. Furthermore, they are usually able to directly download transactions and holdings from brokerage accounts; however, users must provide their brokerage login information and account number. Certain programs also allow for data importing without directly syncing with a brokerage account. This method does not require that users provide brokerage login and account information. Top Portfolio Management Programs Quicken Premier 2013 Quicken Premier is one of the most well-known financial software programs available. The current version is Quicken Premier 2013, which can be bought for $99 from Intuit. Keep in mind that Quicken Premier is designed as a comprehensive money management tool. Therefore, the program is proficient in handling investment accounts as well as all sorts of banking accounts, including checking and savings. Quicken expanded the number of banks and brokerages to which it can automatically sync. According to its website, over 12,000 banks and brokerages can be synced to the accounts list in the program. Quicken now also automatically categorizes most of the items after syncing with an online account. Furthermore, portfolio values are updated every 15 minutes. Creating your accounts is very simple. The setup wizard will walk you through the process, first asking for a primary checking account and then allowing you to add additional accounts. The easiest way to create an investment portfolio is to add an account and allow Quicken to sync directly with your brokerage account. If you do not wish to provide the necessary account information, you may also use the advanced setup function to enter your transactions manually. If you do choose to allow Quicken to automatically sync your accounts, all of your transactions will be loaded into each account in your accounts list. As you can see in the Quicken Accounts & Securities List figure shown here, the program lists the holdings in each account on the left-hand side of the page. You can view separate pages for spending, bills, planning and investing (which is pictured) by clicking on the main heading tabs. Fourth Quarter

5 Quicken Accounts & Securities List Quicken Asset Allocation The assets the program can handle include cash, stocks, bonds, mutual funds and exchange-traded funds (ETFs). Unfortunately, there is no support for real estate investments, annuities or user-defined securities. When AAII s Model Shadow Stock Portfolio was loaded into the program, the asset classes were not identified. However, users can quickly fix any missing or incorrect information by clicking on the name of the security and selecting edit security details. Quick Premier offers the most comprehensive listing of reports among the three portfolio management software programs compared here. Nine separate reports are provided for investments, including capital gains; investing activity; investment asset allocation, income, performance and transactions; maturity date for fixed income; portfolio value and portfolio cost basis. A reports menu is available at the top right of the program, which lists all the reports available. While these reports are generally self-explanatory, there are a few worth highlighting. The investing activity report displays your interest, dividends, capital gains (short- and long-term) and realized gains. Additionally, the report also displays your beginning and ending values, along with deposits and withdrawals. You can toggle among a bevy of time-period ranges, including daily, monthly, quarterly and yearly, or you can enter your own custom range. Quicken Premier s report showing the maturity date of fixed income investments is worth noting. Usually, this type of information is provided by a broker only for customers who have a full-service account. This type of report can help investors build a bond ladder. A bond ladder refers to buying bonds with interest payments and maturity dates spaced across several months or years. Using bond ladders helps to alleviate interest rate risk and allows investors to receive income on a regular basis. Six reports are also available in the tax section. These reports assist users in determining their capital gains; for those who use itemized deductions, the program also provides a Schedule A report. A tax schedule and a tax summary outline the tax consequences of your investment transactions. The investment performance report may be shown across customizable 26 Computerized Investing

6 time ranges. Investment Account Manager Version 2 Investment Account Manager (IAM) is a pure portfolio management program, making it slightly different from Quicken Premier. The program costs $139, but there is a $20 discount for members of AAII (see the Special Offers section under Member Benefits at for more details on the discount). The free 30-day trial provides a fully working version of the program. Creating a portfolio is straightforward, and the program walks you through the process. Upon opening IAM for the first time, the program allows you to either download transaction data directly from a brokerage account or enter the data manually. During our tests, we downloaded investment holdings directly from Scottrade, which required entering an account number and password. The process to download transactions was simple and the data retrieved was accurate. Once again, we used AAII s Model Shadow Stock Portfolio for testing. You can edit the cost basis manually after your portfolio has been downloaded. In addition to stocks, bonds, mutual funds and exchange-traded funds, the program can also handle real estate investments, options and user-defined securities. Furthermore, you can track buys, sells, dividends, short sales, margin transactions, stock splits, reinvestments, interest, commissions, and bond premiums and discounts. After creating your portfolios (you can also populate a portfolio with unlimited holdings), they will be listed on the left-hand side of the page. Clicking on a single portfolio will load all of the investments for that portfolio. The current value, unrealized gain and loss, estimated income and last update date is presented at the top left of the program and the year-to-date activity for the portfolio is provided underneath. You can choose from seven tabs Investment Account Manager Fundamentals Tab Investment Account Manager Portfolio Allocation Report to view data on the portfolio selected. The Portfolio Values tab shows your holdings along with the quantity owned, unit and total cost, market value and gains and losses. The Income Received tab provides a breakdown of your income-generating investments along with their tax consequences. A listing of the securities sold during the current year is also provided. The Holdings Summary and Allocation Summary tabs provide useful information on your portfolio as a whole, presenting a breakdown of the portfolio s asset allocation and transaction history. In addition, holdings are all shown as a percent of your total portfolio. Finally, two additional tabs have recently been added Transactions and Fundamentals. The first simply lists the portfolio transactions through adjustable time frames. The second presents commonly used ratios, such as yield, price-earnings ratio and price-earnings-to-growth ratio and is shown here in the figure labeled Investment Account Manager Fundamentals Tab. To update portfolio values, you must click on the Update Prices button at the top of the program as the program does not automatically update the values. Numerous reports are provided by Investment Account Manager and each of the reports is run by selecting the report from the Reports and Graphs pull-down menu. One of the most useful reports offered is the Portfolio Allocation Report. After selecting this report, users are able to set portfolio allocation targets through the pop-up window. The report is shown with set target portfolio allocations in the figure shown here labeled Investment Account Manager Portfolio Allocation Report. Fourth Quarter

7 Fund Manager Graph of Portfolio Value Fund Manager Distribution Summary Investment Account Manager provides an upside/downside report that can also be charted. The upsidedownside ratio is one of Better- Investing s classic measures of risk. It measures the ratio of a stock s upside if things go right, compared to its downside if things go wrong. In essence, it provides an assessment of the risk-to-reward trade-off for investments in your portfolio. As with Quicken Premier, a bond maturity schedule is provided. For each report, you can specify the portfolio(s) and date range. For the performance reports, users are able to calculate value-weighted or time-weighted returns and view performance by asset class, sector and industry. The reports can also be saved as a PDF file. The help section of Investment Account Manager is very useful, covering most areas of the program. To open the Help Menu, simply select Contents from the Help pull-down menu. Fund Manager 12 Three versions of Fund Manager are offered personal, professional and advisor. The personal version of the program targets individual investors and provides all the features that assist users in managing a personal portfolio, such as retrieving values using the Internet, producing a bevy of graphs and reports, and listing bond and income schedules. The professional version, targeted for traders, includes technical analysis tools, risk/ reward scatter plots and real-time quotes. The advisor version is for institutional investors, such as financial advisers and broker/dealers, and includes a variety of client management features. There are also significant price differences associated with each version. The personal version costs $89 while the professional version is $295 and the advisor version is $1,395. The professional version was tested for the purpose of this review, and it is the version covered in the remainder of this section. Fund Manager, like Investment Ac- 28 Computerized Investing

8 Table 1. Ratings for the Top Portfolio Management Software Criteria are rated on a scale of one to five, with five denoting the best score. Performance rates how well the program accomplished the typical functions required of a complete portfolio management program; Documentation rates the quality of the printed materials, on-line help/tutorials, and manufacturer support; and Ease of Use rates how simple the program is to install, learn and operate. Price Pros Cons Fund Manager $89 personal +custom asset class broker downloads may Beiley Software Inc. /$295 professional +great reporting tools not be accurate no tax-adjusted returns no complete transactions list Investment Account Manager Version $139 +unlimited portfolios predefined asset classes Quant IX Software /$119 AAII members securities & transactions no tax-adjusted returns +easy to use +in-depth reporting tools Quicken Premier $ extra budget & net no free demo Intuit, Inc. worth tools & reports +tax-adj returns & reports Performance Documentation Ease of Use count Manager, is a pure investment management software program, with no personal finance capabilities. This program is not as intuitive to use as Investment Account Manager or Quicken Premier, but it offers some great reports and performance tools. When you first install the program and open it, the setup wizard automatically starts. There are a few ways to create a portfolio, but the quickest and easiest way is to directly load the portfolio through a brokerage account. Once again, if you are uncomfortable with this, you may also export your transactions from your brokerage account to a compatible file and then import the transactions into the program. This method does not require users to provide login information and is more convenient than manually inputting all the data (though you can enter data manually if you choose). Users should double-check the assigned asset type after uploading positions. This will help when generating reports down the line. In addition to the asset type choices provided by the program, users can also specify their own. After importing or manually creating your portfolio, you can choose Z. Joe Lan is assistant financial analyst at AAII. from a wide variety of graphs to display in the program. Highlight the portfolio you wish to display on the left-hand side of the program before selecting the graph. For professional users, risk/reward scatter plots can be graphed for each investment, asset type, investment goal, symbol or portfolio. These scatter plots graph the time-weighted return against the standard deviation of monthly returns, enabling users to quickly identify items that are underperforming based on the volatility of the investment. To pull up the available graphs, select Graphs from the top toolbar. Shown here is a figure labeled Fund Manger Graph of Portfolio Value. Fund Manager offers several reports that are useful for individual investors. Time-weighted returns can be calculated for specified time ranges as well as for individual securities and asset allocations. The distribution summary displays distributions paid for a time period, and includes dividends, short and long-term capital gains and foreign tax distributions (shown in the figure labeled Fund Manager Distribution Summary). The asset allocation report provides not only the asset allocation breakdown of your portfolio, but also the beginning value and percentage, invested amount, distribution, ending value and percentage and the gain for the selected period. The program also provides a rebalance report that outlines the differences between your asset allocation and a target asset allocation. Make sure that each holding and cash are labeled correctly before using the asset allocation reports. Bond maturity schedules are also provided. Conclusion Overall, each of these three programs reviewed provides users with good choices to track their investments. Two of the programs offer trial accounts, and we suggest making use of them. Hands-on experience is the only way to get a feel for a program s ease-of-use and an idea of the types of reports that can be generated. While Fund Manager and Investment Account Manager are true portfolio management software programs, Quicken Premier provides additional personal finance capabilities. This added dimension to Quicken Premier makes it worth considering. Unfortunately, Quicken Premier is the only program out of the three reviewed that does not offer a trial account. Fourth Quarter

Portfolio Management Software Programs By John Bajkowski

Portfolio Management Software Programs By John Bajkowski COMPARISON Portfolio Management Software Programs By John Bajkowski No matter what techniques you use to select your investments, you must have a system in place to track your holdings. This process of

More information

Portfolio Management Software Programs By Cara Scatizzi

Portfolio Management Software Programs By Cara Scatizzi COMPARISON Portfolio Management Software Programs By Cara Scatizzi No matter the size of a portfolio or the depth of investment knowledge, every investor needs a portfolio management tool to track investments

More information

Portfolio Management Software By Kenneth J. Michal

Portfolio Management Software By Kenneth J. Michal COMPARISON Portfolio Management Software By Kenneth J. Michal No matter what techniques you use to select your investments, you must have a system in place to track your holdings. This process of portfolio

More information

GAINSKEEPER USER MANUAL

GAINSKEEPER USER MANUAL GAINSKEEPER USER MANUAL CCH GAINSKEEPER is a Product of CCH INC. Services provided at www.gainskeeper.com The GainsKeeper logo is a registered trademark of CCH INCORPORATED, a Wolters Kluwer company. Table

More information

Moneyspire Help Manual. 2015 Moneyspire Inc. All rights reserved.

Moneyspire Help Manual. 2015 Moneyspire Inc. All rights reserved. Moneyspire Help Manual 2015 Moneyspire Inc. All rights reserved. Getting Started Getting started with Moneyspire is easy. When you first start the program, you will be greeted with the welcome screen.

More information

How to read your Brokerage Statement

How to read your Brokerage Statement How to Read Your Brokerage Account Statement Introduction This brochure aims to give you an overview of the features and benefits of First Republic Brokerage Account statements.1 Your personal Brokerage

More information

Quicken QIF Import INVESTMENT ACCOUNT MANAGER

Quicken QIF Import INVESTMENT ACCOUNT MANAGER Quicken QIF Import QUANT IX SOFTWARE, Inc 11518 N. Port Washington Road Suite 102 Mequon, WI 53092 Phone 262-241-3990 Fax 262-241-4797 Table of Contents Investment Account Manager and Importing Quicken

More information

Glossary of Investment Terms

Glossary of Investment Terms online report consulting group Glossary of Investment Terms glossary of terms actively managed investment Relies on the expertise of a portfolio manager to choose the investment s holdings in an attempt

More information

22 West Washington Street Chicago Illinois 60602

22 West Washington Street Chicago Illinois 60602 22 West Washington Street Chicago Illinois 60602 Table of Contents Overview Morningstar Investment Research Center 1 Screeners Get to Screeners from the Homepage 2 The Basics of Creating a Screen 3 Morningstar

More information

How to read your Brokerage Account Statement

How to read your Brokerage Account Statement How to read your Brokerage Account Statement Introduction Your brokerage account statement provides you with a concise, comprehensive picture of your financial status. At a glance, you can easily track

More information

NetXInvestor TM USER GUIDE. March 2014

NetXInvestor TM USER GUIDE. March 2014 NetXInvestor TM USER GUIDE March 2014 2014 Pershing Advisor Solutions LLC. Pershing Advisor Solutions LLC, member FINRA, SIPC, is a wholly owned subsidiary of The Bank of New York Mellon Corporation (BNY

More information

Understanding Your Brokerage Account Statements

Understanding Your Brokerage Account Statements Understanding Your Brokerage Account Statements Understanding Your Brokerage Account Statements North American Securities Administrators Association, Inc.? What can my statement tell me? INTRODUCTION How

More information

Understanding Your Brokerage Account Statements

Understanding Your Brokerage Account Statements Understanding Your Brokerage Account Statements Understanding Your Brokerage Account Statements INTRODUCTION How am I doing financially? The best way to track your brokerage account activity and performance

More information

Morningstar Investment Research Center User s Guide

Morningstar Investment Research Center User s Guide Morningstar Investment Research Center User s Guide Welcome to the Guide to Morningstar Investment Research Center. Morningstar Investment Research Center is among today s most comprehensive financial

More information

Table of Contents. Page Home.. 2. Balances & Holdings Balances & Holdings 3-4 Account Profile 5. Activity Account Activity...5

Table of Contents. Page Home.. 2. Balances & Holdings Balances & Holdings 3-4 Account Profile 5. Activity Account Activity...5 Table of Contents Page Home.. 2 Balances & Holdings Balances & Holdings 3-4 Account Profile 5 Activity Account Activity.....5 Portfolio Portfolio 6 Realized Gains/Loss..6-7 Trading Equity Order.. 8 Trading

More information

Get more from your account statement

Get more from your account statement Get more from your account statement Get more from your account statement Determining whether your investments are helping you work toward your financial goals requires that you stay informed regarding

More information

A Beginners Guide Getting Started with trademonster

A Beginners Guide Getting Started with trademonster A Beginners Guide Getting Started with trademonster info@trademonster.com 1-877-598-3190 Welcome to trademonster We re glad you chose to be a part of the new era in online brokerage. The trademonster platform

More information

Jamb Online Portfolio Tracker User Guide

Jamb Online Portfolio Tracker User Guide Jamb Online Portfolio Tracker User Guide 1. Introduction Portfolio Tracker is a new generation internet aware application which is capable of tracking performance of stocks within portfolio of any investor.

More information

www.optionseducation.org OIC Options on ETFs

www.optionseducation.org OIC Options on ETFs www.optionseducation.org Options on ETFs 1 The Options Industry Council For the sake of simplicity, the examples that follow do not take into consideration commissions and other transaction fees, tax considerations,

More information

Your Guide to E*TRADE s Platinum Independent Advisor Platform

Your Guide to E*TRADE s Platinum Independent Advisor Platform 1 Your Guide to E*TRADE s Platinum Independent Advisor Platform As an independent advisor, you can rely on E*TRADE s state-of-the-art, advisor-only system to help you better serve your clients, while making

More information

Asset Allocation Valuation at a Glance Purchasing Power Summary Customer Service Information Portfolio Holdings Transactions

Asset Allocation Valuation at a Glance Purchasing Power Summary Customer Service Information Portfolio Holdings Transactions INTRODUCTION Your brokerage account statement is a powerful tool that enables you to make informed investment decisions and helps you to effectively manage and maintain a balanced portfolio. Presenting

More information

Unit Investment Trusts

Unit Investment Trusts a guide to Unit Investment Trusts A unit investment trust (UIT) is a registered investment company that buys and holds a generally fixed portfolio of stocks, bonds, or other securities. Table of Contents

More information

Mutual Fund Investing Exam Study Guide

Mutual Fund Investing Exam Study Guide Mutual Fund Investing Exam Study Guide This document contains the questions that will be included in the final exam, in the order that they will be asked. When you have studied the course materials, reviewed

More information

www.investmentaccountmanagerpro.com techsupport@investmentaccountmanager.com 262-241-3990 (8 am to 4pm CST)

www.investmentaccountmanagerpro.com techsupport@investmentaccountmanager.com 262-241-3990 (8 am to 4pm CST) Frequently Asked Questions www.investmentaccountmanagerpro.com techsupport@investmentaccountmanager.com 262-241-3990 (8 am to 4pm CST) Investment Account Manager Professional Error Messages If a program

More information

Value Line Investment Survey Online

Value Line Investment Survey Online Value Line Investment Survey Online User s Guide Welcome to Value Line Investment Survey Online. This user guide will show you everything you need to know to access and utilize the wealth of information

More information

Real Time FTS Trader. operational manual

Real Time FTS Trader. operational manual Real Time FTS Trader operational manual Table of Contents Introduction.. 3 How to Login...4 Features of the RTFTS Trader...5 12 RTFTS Main Windows...6-7 RTFTS Menu Bar.8-11 General Information.12 How to

More information

1 2 3 4 5 6 Say that you need to generate $4,000 per month in retirement and $1,000 will come from social security and you have no other pension. This leaves $3,000 per month, or $36,000 per year, that

More information

MET ATRADER 5 Guid e version 1.0 January 2013

MET ATRADER 5 Guid e version 1.0 January 2013 METATRADER 5 Guide version 1.0 January 2013 Content 1. Install and Opening MT5 Accounts... 1 1.1 Opening Demo Account... 1 1.2 Login... 3 2. User Interface... 5 2.1 Market Watch... 6 2.2 Navigator... 8

More information

Table of Contents. 6. Watchlist 6.1 Edit Watchlist 12. 7. Trade 7.1 Place Order 13. 9. Power Trader II 17

Table of Contents. 6. Watchlist 6.1 Edit Watchlist 12. 7. Trade 7.1 Place Order 13. 9. Power Trader II 17 Table of Contents 1. Introduction 1.1 System Requirements 1.2 Customer Service 04 04 2. Our Homepage 05 3. Login 06 4. Customised Page 4.1 Add Customised Page 4.2 Add Pagelets to Customised Page 4.3 Save

More information

USER MANNUAL. Version 1.9.6

USER MANNUAL. Version 1.9.6 USER MANNUAL Version 1.9.6 Table of Contents 1. About this Document...3 2. Manuscript Composition...4 3. Getting Started...4 3.1 KASB Direct Login...4 3.1.1 To log on to KASB Direct...5 3.1.2 Server not

More information

MET ATRADER 4 Guid e version 1.0 January 2013

MET ATRADER 4 Guid e version 1.0 January 2013 METATRADER 4 Guide version 1.0 January 2013 Content 1. Installing and Opening the MT4 Account... 1 1.1 Opening Demo Account... 1 1.2 Login... 2 2. User Interface... 4 2.1 The Market... 5 2.2 Navigator...

More information

Nine Questions Every ETF Investor Should Ask Before Investing

Nine Questions Every ETF Investor Should Ask Before Investing Nine Questions Every ETF Investor Should Ask Before Investing UnderstandETFs.org Copyright 2012 by the Investment Company Institute. All rights reserved. ICI permits use of this publication in any way,

More information

Steps for those interested in starting to use quicken and quickbooks for their banking and financing.

Steps for those interested in starting to use quicken and quickbooks for their banking and financing. Steps for those interested in starting to use quicken and quickbooks for their banking and financing. 1. Buy the product you would like to own and use (quickbooks and/or quicken) 2. Install the products

More information

Unsurpassed Tools to Enhance Your Manager Research Content and Capabilities

Unsurpassed Tools to Enhance Your Manager Research Content and Capabilities Unsurpassed Tools to Enhance Your Manager Research Content and Capabilities PSN Enterprise Informa Investment Solutions provides clients a full spectrum of back to front office applications and services.

More information

UNDERSTANDING THE CHARACTERISTICS OF YOUR PORTFOLIO

UNDERSTANDING THE CHARACTERISTICS OF YOUR PORTFOLIO UNDERSTANDING THE CHARACTERISTICS OF YOUR PORTFOLIO Although I normally use this space to ruminate about various economic indicators and their implications, smartly advancing asset prices have encouraged

More information

NAVIPLAN PREMIUM LEARNING GUIDE. Net Worth

NAVIPLAN PREMIUM LEARNING GUIDE. Net Worth NAVIPLAN PREMIUM LEARNING GUIDE Net Worth Contents Investment accounts 1 Learning objectives 1 NaviPlan planning stages 1 Capture lifestyle assets 3 Lifestyle Asset Details dialog box Details section 4

More information

Investment Account. Manager, Version 2. User Guide, Tutorials & Reference Manual

Investment Account. Manager, Version 2. User Guide, Tutorials & Reference Manual Investment Account Manager, Version 2 User Guide, Tutorials & Reference Manual QUANT IX Software, Inc. Providing Total Portfolio Management Systems Since 1985 QUANT IX SOFTWARE, Inc. 11518 North Port Washington

More information

A SMART WAY TO PAY. AN EASY WAY TO SAVE. Fifth Third Bank Health Savings Account

A SMART WAY TO PAY. AN EASY WAY TO SAVE. Fifth Third Bank Health Savings Account A SMART WAY TO PAY. AN EASY WAY TO SAVE. Fifth Third Bank Health Savings Account Contents Welcome 3 Getting Started 4 Logging in for the First Time 4 Forget your Username or Password? 4 Home Page 5 Make

More information

:Base quicken.hlp>nav :Title Quicken Help :Index Debt Reduction=DBTRED.HLP :Index Emergency Records Organizer=ERO.HLP :Index Internet Connection

:Base quicken.hlp>nav :Title Quicken Help :Index Debt Reduction=DBTRED.HLP :Index Emergency Records Organizer=ERO.HLP :Index Internet Connection :Base quicken.hlp>nav :Title Quicken Help :Index Debt Reduction=DBTRED.HLP :Index Emergency Records Organizer=ERO.HLP :Index Internet Connection Setup=ICHELP32.HLP :Index Quicken Help=ERRATA.HLP :Index

More information

TELEMET ORION. Real-time and Historic Market Data, Charts, News, Research and Portfolio Analysis. Volume III. Portfolio Management V8.

TELEMET ORION. Real-time and Historic Market Data, Charts, News, Research and Portfolio Analysis. Volume III. Portfolio Management V8. TELEMET ORION Real-time and Historic Market Data, Charts, News, Research and Portfolio Analysis Volume III Portfolio Management Information Booklet V8.1 Telemet America, Inc. 325 First Street Alexandria,

More information

BASKET A collection of securities. The underlying securities within an ETF are often collectively referred to as a basket

BASKET A collection of securities. The underlying securities within an ETF are often collectively referred to as a basket Glossary: The ETF Portfolio Challenge Glossary is designed to help familiarize our participants with concepts and terminology closely associated with Exchange- Traded Products. For more educational offerings,

More information

Morningstar Direct Quick Start Guide

Morningstar Direct Quick Start Guide Morningstar Direct Quick Start Guide Table of Contents Getting Started... 3 Morningstar Direct Folders... 4 Basic Functions of Main Folders... 5 Searching with Morningstar Direct... 7 Create a Basic Search...

More information

mobiletws for ipad Users' Guide September 2011 2011 Interactive Brokers LLC. All rights reserved.

mobiletws for ipad Users' Guide September 2011 2011 Interactive Brokers LLC. All rights reserved. mobiletws for ipad Users' Guide September 2011 2011 Interactive Brokers LLC. All rights reserved. Apple, the Apple logo, ipod, ipod touch, ipad and itunes are trademarks of Apple Inc., registered in the

More information

Self-Directed Brokerage Account Services

Self-Directed Brokerage Account Services Self-Directed Brokerage Account Services Through Your Tiaa-Cref Ira Power up your TIAA-CREF IRA with more. A no-fee TIAA-CREF IRA 1 is a great way to help build financial security for your retirement.

More information

INVESTMENT TRANSLATED INTO HUMAN WORDS

INVESTMENT TRANSLATED INTO HUMAN WORDS INVESTMENT JARGON TRANSLATED INTO HUMAN WORDS Hi, The world of finance loves jargon, but it s overly confusing. Let s clear the air. Here s a concise walk-through of terms that are common, but often not

More information

15.433 Investments. Assignment 1: Securities, Markets & Capital Market Theory. Each question is worth 0.2 points, the max points is 3 points

15.433 Investments. Assignment 1: Securities, Markets & Capital Market Theory. Each question is worth 0.2 points, the max points is 3 points Assignment 1: Securities, Markets & Capital Market Theory Each question is worth 0.2 points, the max points is 3 points 1. The interest rate charged by banks with excess reserves at a Federal Reserve Bank

More information

Positioning Life Insurance Opportunities. A simple way to tell a compelling story

Positioning Life Insurance Opportunities. A simple way to tell a compelling story Positioning Life Insurance Opportunities A simple way to tell a compelling story Table of Contents Three Buckets... 2 Supporting Tools & Resources... 5 Consumption... 6 Life Insurance Retirement Planning

More information

To download the latest version of TurboTick Pro go to http://www.turnkeybroker.com/download/turbotickpro/publish.html

To download the latest version of TurboTick Pro go to http://www.turnkeybroker.com/download/turbotickpro/publish.html TurboTick PRO manual version 1.211 updated 12.7.2011 Getting started in TurboTick Pro TurboTick Pro is an advanced trading platform built for the active trader. With easy-to-use customizable screens, integrated

More information

- Table of Contents 1. Introduction 04

- Table of Contents 1. Introduction 04 - Table of Contents 1. Introduction 04 2. Our Homepage 05 3. Login 06 4. View Prices 4.1 Obtain Stock Prices 4.2 Advanced Search 07 07 5. Watchlist 5.1 Edit Watchlist 08 6. Trade 6.1 Place Order 09 7.

More information

ETF Options. Presented by The Options Industry Council 1-888-OPTIONS

ETF Options. Presented by The Options Industry Council 1-888-OPTIONS ETF Options Presented by The Options Industry Council 1-888-OPTIONS ETF Options Options involve risks and are not suitable for everyone. Prior to buying or selling options, an investor must receive a copy

More information

Excel Project Creating a Stock Portfolio Simulation

Excel Project Creating a Stock Portfolio Simulation Background Vocabulary Excel Project Creating a Stock Portfolio Simulation 1. What is a stock? A stock is a share in the ownership of a corporation, a large business organization. A stock, also, represents

More information

Stock-Trak Professor User Guide

Stock-Trak Professor User Guide Stock-Trak Professor User Guide Thank you for using Stock-Trak, the leader in Stock Market Game Simulations. We have worked to make the process of setting up and monitoring your class as straight forward

More information

Robert and Mary Sample

Robert and Mary Sample Comprehensive Financial Plan Sample Plan Robert and Mary Sample Prepared by : John Poels, ChFC, AAMS Senior Financial Advisor February 11, 2009 Table Of Contents IMPORTANT DISCLOSURE INFORMATION 1-7 Presentation

More information

Freddie Mac Servicing Success Program. Reference Guide. November 2015

Freddie Mac Servicing Success Program. Reference Guide. November 2015 Reference Guide November 2015 Notice The information in this publication is intended to provide general guidance to Freddie Mac Servicers. The information is offered as an aid in - not a substitute for

More information

ibank Overview Contents FAQ

ibank Overview Contents FAQ ibank Overview Contents FAQ Page 1 of 18 ibank Help Overview ibank, a rewarding-to-use financial management application made exclusively for Mac OS X. About Financial Tracking Tracking one's finances can

More information

WellsTrade Getting Started Guide

WellsTrade Getting Started Guide WellsTrade Getting Started Guide We re making online investing easier and more convenient than ever. wellsfargo.com 800.TRADERS (800.872.3377) Welcome to WellsTrade Thank you for choosing WellsTrade. We

More information

Choosing tax-efficient investments

Choosing tax-efficient investments Choosing tax-efficient investments Managing your portfolio to help control your tax bill Investors need to consider many factors in the process of choosing investments. One at the top of many investors

More information

The New DailyFinance Portfolio. Powered by. User Guide

The New DailyFinance Portfolio. Powered by. User Guide The New DailyFinance Portfolio Powered by User Guide Updated August 1, 2014 Contents TODAY S PORTFOLIO VS. YESTERDAY S...3 Overview...3 New Features...3 Features that are Staying the Same...3 Who is SigFig...4

More information

PORTFOLIOCENTER. Best Practices for Accounting for Transfer of Assets

PORTFOLIOCENTER. Best Practices for Accounting for Transfer of Assets PORTFOLIOCENTER Best Practices for Accounting for Transfer of Assets Document ID: SPT011567 Document Date: March 17, 2014 Document Version: 5.8 For institutional audiences only. 2014 Schwab Performance

More information

Investoscope 3 User Guide

Investoscope 3 User Guide Investoscope 3 User Guide Release 3.0 Copyright c Investoscope Software Contents Contents i 1 Welcome to Investoscope 1 1.1 About this User Guide............................. 1 1.2 Quick Start Guide................................

More information

Synthesis of Financial Planning

Synthesis of Financial Planning P 7A R T Synthesis of Financial Planning 1. Tools for Financial Planning Budgeting (Chapter 2) Planned Savings (Chapter 3) Tax Planning (Chapter 4) 2. Managing Your Liquidity Bank Services (Chapter 5)

More information

Integrated Company Analysis

Integrated Company Analysis Using Integrated Company Analysis Version 2.0 Zacks Investment Research, Inc. 2000 Manual Last Updated: 8/11/00 Contents Overview 3 Introduction...3 Guided Tour 4 Getting Started in ICA...4 Parts of ICA

More information

CheckBook Pro 2 Help

CheckBook Pro 2 Help Get started with CheckBook Pro 9 Introduction 9 Create your Accounts document 10 Name your first Account 11 Your Starting Balance 12 Currency 13 Optional password protection 14 We're not done yet! 15 AutoCompletion

More information

Budget Main Window (Single Bank Account) Budget Main Window (Multiple Bank Accounts)

Budget Main Window (Single Bank Account) Budget Main Window (Multiple Bank Accounts) Budget Main Window (Single Bank Account) Budget Main Window (Multiple Bank Accounts) Page 1 of 136 Using Budget Help Budget has extensive help features. To get help use Budget's Help > Budget Help menu

More information

As Easy as ACB Understanding and tracking your adjusted cost base with ETFs

As Easy as ACB Understanding and tracking your adjusted cost base with ETFs As Easy as ACB Understanding and tracking your adjusted cost base with ETFs Justin Bender, CFA, CFP, B. Comm. Portfolio Manager PWL CAPITAL Dan Bortolotti Financial Planning Consultant PWL ADVISORS Toronto,

More information

INVESTMENT DICTIONARY

INVESTMENT DICTIONARY INVESTMENT DICTIONARY Annual Report An annual report is a document that offers information about the company s activities and operations and contains financial details, cash flow statement, profit and

More information

Private Asset Management

Private Asset Management TIAA-CREF Trust Company, FSB Private Asset Management Customized investment solutions to meet your unique needs over time About TIAA-CREF Trust Company s Private Asset Management TIAA-CREF Trust Company

More information

Enjoy the freedom of Berkshire Bank Wealth Management Portfolio Online! Portfolio Online Getting Started Guide

Enjoy the freedom of Berkshire Bank Wealth Management Portfolio Online! Portfolio Online Getting Started Guide Enjoy the freedom of Berkshire Bank Wealth Management Portfolio Online! Portfolio Online Getting Started Guide Table of Contents Introduction... 3 Key Features... 3 Accessing your Account... 4 New Client

More information

FLEXIBLE TEChNoLogY To DELIVER online BRokERAgE SERVICES To YoUR CLIENTS

FLEXIBLE TEChNoLogY To DELIVER online BRokERAgE SERVICES To YoUR CLIENTS Flexible technology TO DELIVER online brokerage services TO YOUR CLIENTS Traditional business models are evolving and the need to provide the convenience that investors demand is more important than ever.

More information

HomeBudget Anishu, Inc.

HomeBudget Anishu, Inc. HomeBudget Anishu, Inc. Overview Data Import User Guide HomeBudget supports import of OFX/QFX 1,2 formatted financial transactions from bank and credit card accounts. There are two methods to import data:

More information

Trade Today. Your guide to getting started with TD Direct Investing

Trade Today. Your guide to getting started with TD Direct Investing Trade Today Your guide to getting started with TD Direct Investing Welcome to TD Direct Investing Thank you for choosing TD Direct Investing. We value the trust you ve placed in us and look forward to

More information

Supplement to the Prospectus and Summary Prospectuses Dated April 28, 2015

Supplement to the Prospectus and Summary Prospectuses Dated April 28, 2015 Vanguard Large-Cap ETF Vanguard Growth ETF Vanguard Value ETF Vanguard Mid-Cap ETF Vanguard Mid-Cap Growth ETF Vanguard Mid-Cap Value ETF Vanguard Small-Cap ETF Vanguard Small-Cap Growth ETF Vanguard Small-Cap

More information

Online Banking User Guide

Online Banking User Guide TABLE OF CONTENTS TABLE OF CONTENTS... 1 INTRODUCTION... 4 QUICK REFERENCE... 4 LOG ON... 4 SECURITY PROFILE... 4 ENTITLEMENTS... 4 LOG ON... 5 ENTER YOUR USERNAME... 5 REVIEW SECURE IMAGE AND PHRASE,

More information

ALLOCATION STRATEGIES A, C, & I SHARES PROSPECTUS August 1, 2015

ALLOCATION STRATEGIES A, C, & I SHARES PROSPECTUS August 1, 2015 ALLOCATION STRATEGIES A, C, & I SHARES PROSPECTUS August 1, 2015 Investment Adviser: RidgeWorth Investments A Shares C Shares I Shares Aggressive Growth Allocation Strategy SLAAX CLVLX CVMGX Conservative

More information

OANDA FXTrade Platform: User Interface Reference Manual

OANDA FXTrade Platform: User Interface Reference Manual User Manual Home OANDA FXTrade Platform: User Interface Reference Manual Login/Logout Procedure FX Platform (Main Window) Action Buttons Pull-down Menus Transaction History Account Summary Tables Trades

More information

ATF Trading Platform Manual (Demo)

ATF Trading Platform Manual (Demo) ATF Trading Platform Manual (Demo) Latest update: January 2014 Orders: market orders, limit orders (for real platform) Supported Browsers: Internet Explorer, Google Chrome, Firefox, ios, Android (no separate

More information

Chapter 13: Producing reports

Chapter 13: Producing reports This Chapter covers how to produce the various kinds of report available in BankLink Practice, as well as options common to all reports: Standard report options Cash flow reports Profit and loss reports

More information

Old National Online Trust Getting Started Guide

Old National Online Trust Getting Started Guide Old National Online Trust Getting Started Guide July 2011 Table of Contents Introduction... 3 Key Features... 3 Accessing your Account... 4 New Client Log In... 4 Existing Client Log In... 9 Subsequent

More information

ADVISORSHARES YIELDPRO ETF (NASDAQ Ticker: YPRO) SUMMARY PROSPECTUS November 1, 2015

ADVISORSHARES YIELDPRO ETF (NASDAQ Ticker: YPRO) SUMMARY PROSPECTUS November 1, 2015 ADVISORSHARES YIELDPRO ETF (NASDAQ Ticker: YPRO) SUMMARY PROSPECTUS November 1, 2015 Before you invest in the AdvisorShares Fund, you may want to review the Fund s prospectus and statement of additional

More information

Currency Trading and Forex 100 Success Secrets 100 Most Asked Questions on becoming a Successful Currency Trader

Currency Trading and Forex 100 Success Secrets 100 Most Asked Questions on becoming a Successful Currency Trader Currency Trading and Forex 100 Success Secrets 100 Most Asked Questions on becoming a Successful Currency Trader Copyright 2008 Currency Trading and Forex 100 Success Secrets Notice of rights All rights

More information

Section 1 - Overview; trading and leverage defined

Section 1 - Overview; trading and leverage defined Section 1 - Overview; trading and leverage defined Download this in PDF format. In this lesson I am going to shift the focus from an investment orientation to trading. Although "option traders" receive

More information

INVESTOR360º CLIENT USER GUIDE

INVESTOR360º CLIENT USER GUIDE INVESTOR360º CLIENT USER GUIDE TABLE OF CONTENTS 1. About Investor360 3 1.1 What does Investor360 provide? 3 1.2 Security 3 2. Logging in to Investor360 4 3. Welcome to Investor360 7 4. Navigating in Investor360

More information

LearnVest Classes Investing Challenge. Investing Basics Learning the Ropes

LearnVest Classes Investing Challenge. Investing Basics Learning the Ropes LearnVest Classes Investing Challenge Investing Basics Learning the Ropes Resources Quick Guide to Investment Terms Investment Vehicles Stock: A unit of ownership in a company. As the company value grows,

More information

Investing in Stocks 14-1. Copyright 2012 by The McGraw-Hill Companies, Inc. All rights reserved. McGraw-Hill/Irwin

Investing in Stocks 14-1. Copyright 2012 by The McGraw-Hill Companies, Inc. All rights reserved. McGraw-Hill/Irwin Investing in Stocks McGraw-Hill/Irwin Copyright 2012 by The McGraw-Hill Companies, Inc. All rights reserved. 14-1 Invest in stocks Learning Objectives Identify the most important features of common and

More information

Catalyst Insider Buying Fund CLASS A: INSAX CLASS C: INSCX CLASS I: INSIX SUMMARY PROSPECTUS NOVEMBER 1, 2014

Catalyst Insider Buying Fund CLASS A: INSAX CLASS C: INSCX CLASS I: INSIX SUMMARY PROSPECTUS NOVEMBER 1, 2014 Catalyst Insider Buying Fund CLASS A: INSAX CLASS C: INSCX CLASS I: INSIX SUMMARY PROSPECTUS NOVEMBER 1, 2014 Before you invest, you may want to review the Fund s complete prospectus, which contains more

More information

Stock Investment Guide Software Manual. By Churr Software. The Stock Investment Guide (manual version 0.8) ------ 1

Stock Investment Guide Software Manual. By Churr Software. The Stock Investment Guide (manual version 0.8) ------ 1 Stock Investment Guide Software Manual By Churr Software The Stock Investment Guide (manual version 0.8) ------ 1 This manual may not be duplicated either in whole or in part by any means without the expressed

More information

TMX TRADING SIMULATOR QUICK GUIDE. Reshaping Canada s Equities Trading Landscape

TMX TRADING SIMULATOR QUICK GUIDE. Reshaping Canada s Equities Trading Landscape TMX TRADING SIMULATOR QUICK GUIDE Reshaping Canada s Equities Trading Landscape OCTOBER 2014 Markets Hours All market data in the simulator is delayed by 15 minutes (except in special situations as the

More information

FOUNDATION EDGE Trading Terminal 1

FOUNDATION EDGE Trading Terminal 1 FOUNDATION EDGE User Manual Online Stock Getting Trading Started FOUNDATION EDGE Trading Terminal 1 Table of Contents TRADING TERMINAL... 1 1 ABOUT THIS DOCUMENT... 5 1.1 Document Composition... 5 2 INTRODUCTION...

More information

Telecom Systems Billing Application User Guide

Telecom Systems Billing Application User Guide Telecom Systems Billing Application Document updated: 8/15/2014 Table of Contents: About the Telecom Billing Application... 3 Gaining access to the Telecom Billing Application... 3 Online Request:... 3

More information

THE STOCK MARKET GAME GLOSSARY

THE STOCK MARKET GAME GLOSSARY THE STOCK MARKET GAME GLOSSARY Accounting: A method of recording a company s financial activity and arranging the information in reports that make the information understandable. Accounts payable: The

More information

A Window to Your Financial World

A Window to Your Financial World A Window to Your Financial World NetXInvestor provides you with online access to your investment accounts, night and day, seven days-a-week. 1 In addition, you can have instant access to balances, portfolio

More information

THOMSON ONE WEALTH SOLUTIONS INTELLIGENT INFORMATION DELIVERED THROUGH ONE FLEXIBLE SOURCE

THOMSON ONE WEALTH SOLUTIONS INTELLIGENT INFORMATION DELIVERED THROUGH ONE FLEXIBLE SOURCE FINANCIAL AND RISK MANAGEMENT SOLUTIONS FROM THOMSON REUTERS THOMSON ONE WEALTH SOLUTIONS INTELLIGENT INFORMATION DELIVERED THROUGH ONE FLEXIBLE SOURCE THOMSON ONE WEALTH SOLUTIONS OVERVIEW Successfully

More information

Guide to Understanding Portfolios READING PORTFOLIO PAGES

Guide to Understanding Portfolios READING PORTFOLIO PAGES Guide to Understanding Portfolios READING PORTFOLIO PAGES The Welcome page is the first page teams see when they login. Teams have access to nine portfolio functions Teams click an icon to view rankings,

More information

TAX-EXEMPT LIFE INSURANCE

TAX-EXEMPT LIFE INSURANCE TAX-EXEMPT LIFE INSURANCE For wealth creation and estate maximization The strategies, advice and technical content in this publication are provided for the general guidance and benefit of our clients,

More information

Guide to BMO Harris Online Banking SM

Guide to BMO Harris Online Banking SM L O G G I N G I N Guide to BMO Harris Online Banking SM T A B L E O F C O N T E N T S Security & Bill Payment...4 Getting Started...5 Forgotten Password & User ID...6 BMO HARRIS ONLINE BANKING OVERVIEW...7

More information

Page 1 of 8. 1 Mention of a specific product does not imply endorsement.

Page 1 of 8. 1 Mention of a specific product does not imply endorsement. Quicken or QuickBooks : What s the Best Choice for Agricultural Producers? Damona Doye Sarkeys Distinguished Professor Oklahoma State University Agricultural Economics Department Keywords: Financial records,

More information

A step-by-step explanation.

A step-by-step explanation. ab UBS e-banking Monaco A step-by-step explanation. www.ubs.com/monaco Contents. Page Your first steps on the Internet 4 Welcome to www.ubs.com/monaco 5 How to access UBS e-banking Monaco 6 Home/Navigation

More information

RetireWare Version 2.0 Retirement Planning Software

RetireWare Version 2.0 Retirement Planning Software RetireWare Version 2.0 Retirement Planning Software User Manual: Standard and Monte Carlo Editions Apeiron Software Limited απειρον 2 Table of Contents Welcome to RetireWare Version 2.0 5 1 Introduction

More information

As a member of AAII and reader of Computerized

As a member of AAII and reader of Computerized www.computerizedinvesting.com Volume XXXII, No. 2 Tips for Thwarting Hackers Editor s Outlook At the beginning of March, Evernote, the popular online note-taking service, reported that it had fallen victim

More information