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Finance analysts are there to help individuals and companies make informed and appropriate decisions in regards to their businesses or investments. They can specialize in a particular field and are expected to keep abreast of the various changes in the business world in case it affects the company’s ratings or share price. Many times when people want to improve their financial well-being they may want to invest in the financial markets. It is not as easy as it sounds though, you will need to acquire the services of a qualified individual who can help you find the investment that will bring in profitable returns.

Looking for a financial analyst is not as hard as it sounds but the tough part comes when you have to distinguish the qualified ones from the ones that are not. You can look for them by browsing through the business directories and you will be able to find the names and descriptions of the top analysts in your area. You can then compare the different services offered and use the one that you think suits you best. The services that are offered can also be divided into different sectors. There are designed to suit the specific needs of investors.

Some of the services available are retirement planning, personal finance planning, certified finance planning and estate planning. It is important that you are sure about the type of financial assistance that you need. These services come at a price and that is why it is important to do proper research by acquiring the services of a trade analyst so that what you gain is worth the fees that you are paying.

Before making any investment decision, it is advisable that you should consult finance analyst. They are qualified and will be better placed to see the potential of your investment option.

Finance Portfolio Research & Analysis for August 18 – 22, 2008

From our Global (includes the USA) research division and subsequently Global strategy analysts, the following financial analysis excerpts are from revisions recently completed on Globally based investment portfolios:1

Analysis: From No. D7 (Global) Financial Portfolio Research Revision –

CurrencyShares (Wgt: MC) British Pound Sterling (FXB) vs. PowerShares (Wgt: MC) Currency Harvest Fund (DBV):

(1) Observation – Relative Strength: Results in the relative strength analysis of British Pound Sterling (FXB) versus Currency Harvest Fund (DBV) indicate that FXB is fairly neutral to DBV on a relative basis. We are seeing the same relative strength relationships with the following currencies: Euro (FXE), and Japanese Yen (FXY).

(2) Observation – Regression: Comparison of the linear regression to the time-series that has a 3-period forward shift finds the following formation: The price is below the linear regression, and the linear regression is below the time-series. Since the linear regression provides the “best fit” to the price path, this has near term negative implications for FXB. However, there is a very slight path shift from strongly negative to one with a flatter slope. Additionally, DBV is also shifting.

(3) Observation – Price Performance: British Pound Sterling (FXB) shows a continuation (that began in late July) of a negative price path (downward slope) on fairly strong indicators.

Reference Charts: D7-7 (relative strength); AD7A-7a (regression); AD7B-7b (price)

Additional considerations:

First, for most investors, a diversified investment portfolio approach combining stocks, bonds, money market securities, etc., is optimal. While financial diversification cannot protect against a loss from a declining market, it can reduce the overall portfolio’s volatility.

Second, with the ongoing shift of pension responsibilities from employer to employee, personal investment success will need to supplement most benefit packages. Thus, a goal of successful investing in a variety of assets becomes crucial in providing a comfortable retirement for yourself and your spouse. In consideration of that goal, studying the information available on this site, which has been kind enough to host our research in this article, will help. At www.StrategicCapitalResearch.com, we provide additional finance educational materials to what you find here in both investment books and videos. Between the two sites, you should be able to find enough information to get started toward achieving your pension investment goals.

Third, to the above analysis excerpt, the usual disclaimers apply. Since all Strategic Capital Research publications provide research that is conducted using historical data, a reminder needs to be made that the analysis of past market reactions cannot predict future market actions. In particular, no amount of historical data can predict the sudden changes that occasionally occur in financial markets.

1 Reference chart numbers beginning with an “A” refer to the auxiliary analyses completed on the “D” portfolios located at www.strategiccapitalresearch.com/research.html

Chances are that in many of your recent conversations with friends and co-workers regarding real estate prices, the word “bubble” has been used. With the affordability of houses blown out of the stratosphere (especially in metropolitan markets), scores of people are trying to stockpile cash in order to prepare for the next housing crash.

While almost all Americans are convinced of the inevitable impending fall of housing prices, how do you know when to pull the trigger? What if you buy at a depressed price and the prices continue to fall? This article will present a few issues to consider when playing the housing bubble. An informed buyer is a good buyer.

The population of bubble-campers, those who are ready to pounce on the real-estate market once the bubble pricks, is steadily increasing. These people are cashing in on whatever real-estate they own (if they own any) and are renting, waiting for the day they can laugh at those who held onto their overpriced abodes. Waiting for the softening of the housing markets, they are accumulating cash and counting on the forecasts of housing market prices by Wall Street pundits to ring true.

With housing sales already slowing down, bubble-campers are already beginning to pat themselves on the back. Even builder Toll Brothers has announced officially that sales are expected to decline substantially this year. In the hottest real estate markets across the nation, foreclosures and delinquent payments have arisen dramatically.

This makes a housing crash inevitable right? Not necessarily. With professional investors and other bubble-campers on the sidelines, these newly available properties could see their prices supported. Professionals search for cash-flow opportunities and, since housing prices have already depressed this year, could find today’s prices a good deal. Entry of professional investors is bad for bubble-campers; widespread purchase of property will act as a tourniquet to the continued downfall of housing prices. Bubble-campers who follow what professionals are doing and are sick of renting will also recognize this and could follow suit.

On the bubble-campers side, however, history has proven that inflated housing markets do usually come down to earth. Take Los Angeles for example. The last decade (1996-2006) has seen tremendous growth in the housing market. This has not always been so; an average house purchased in Los Angeles dropped, in nominal terms, 21% between 1990 and 1996. Factoring in inflation, the percentage decline was really a bit below 34%.

Another encouraging factor for bubble-campers is that current housing prices are not declining sharply due to sellers holding steady. Since sales volume has decreased dramatically and prices have decreased only slightly, many brokerages, forecasters and analysts believe that buyers are negotiating more but sellers are refusing to settle. This causes houses to stay on the market longer. Since this refusal to sell is unsustainable, we will likely see sellers begin revising their prices downward en masse.

Obviously, timing the market is almost impossible. Short-term market timing can cause bubble-campers to get burned by housing price fluctuations. If a buyer holds long-term, however, he will find that long-term prices smooth out any dramatic price shifts. Real estate pundits forecast housing prices to go down, but nobody really knows the real-estate price magic sauce; it is dependent on behavioral finance, behavioral psychology, and macroeconomic policy. The most anybody can do is to read as much as possible on the subject and hopefully when it comes time to pull the trigger and buy real-estate, they will be more informed and make a more knowledgeable and financially sound decision.