Scott Tominaga: The Potential of an Investment Portfolio

 

Scott Tominaga: How to Grow Your Investment Portfolio

Investing is a game of patience and strategy. For many investors, the ultimate goal is to preserve their capital in the long term. It's not just about making a quick profit but about safeguarding their hard-earned money for the years to come. It's important to approach investing with a mindset that prioritizes minimizing risks and preventing losses.

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Today, Scott Tominaga reviews some strategies business owners can apply to make the most of and protect their portfolios as they go for more investment options. All investment ventures come with risks, but being aware of risks is part of maximizing the potential of one's investment portfolio.

First off, you need non-correlating assets.

According to Scott Tominaga, non-correlating assets refer to multiple stock portfolios such as commodities, bonds, real estate stocks, and currencies that often eliminate most unsystematic risks while helping compensate for the given systematic risks. These assets allow for lowered volatility since they react to market changes differently when compared to stocks. In short, non-correlating assets make for more balanced and safer returns.

Next up, your portfolio has to have diversification.

Anyone who's put together a winning portfolio knows how important diversification can be. In fact, Scott Tominaga has always emphasized that a diverse portfolio will often outperform concentrated ones. Individuals can gain a larger number of investments in more than a single asset class. This strategy goes well with non-correlating assets as it aids in regulating the unsystematic risk that comes with investing in a single company.

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Lastly, look for dividends.

Opting for stocks that pay in dividends is always a great idea, Scott Tominaga points out. Dividends guarantee above-average returns and act as a needed cushion in case markets decline. Many statistics prove that businesses that pay good dividends tend to earn more rapidly. Normally, the more secure they are, the higher the share prices and capital gains.

Scott Tominaga earned his degree in Business Finance from Arizona State University in 1988. An experienced professional in the hedge fund and financial services industry, he has expertise in the middle and back office, accounting, compliance, and administrative functions within financial services firms. More investment tips here.

Scott Tominaga: Is Cryptocurrency Worth the Investment?

 

Scott Tominaga: Is Cryptocurrency Still Viable Today?

 
 
  Despite their volatility, cryptocurrencies continue to be popular today, defying what many naysayers believe this fintech trend is nothing but a trend. According to investment expert Scott Tominaga, these digital assets exist online and combine the new technologies of blockchain, cryptography, and computing networks for tracking ownership and determining value.  

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A number of experienced investors continue to express doubts about the efficacy of conventional investment strategies for purchasing such digital assets despite the longevity of cryptocurrency. It is due to the perceived risk associated with cryptocurrency's speculative nature, which, according to these skeptics, makes it an untested commodity. It remains a challenge to develop a dependable investment strategy for crypto, which adds to the perceived risk associated with investing in them. Even as the sector matures, investors should be aware of the risks inherent to this volatile market.  
 
Potential investors will understandably invest in crypto the way they invest in any asset out there, basing their decision on the hope that the price will increase and someone will pay more. Other buyers, however, are more optimistic.  
 
Before COVID-19 happened, a growing class of advisors, investors, and average Joes believed that digital currency would ultimately transform financial services as we know it. Of course, that comes with great risk, as crypto's volatility has kept a lot of veterans in the global financial industry cautioning investors to stay away from digital coin investing.  
 

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There has yet to be a consensus on which digital currency will prevail. If one is keen on investing in cryptocurrency, Scott Tominaga says it's imperative to do research and do it diligently.  
 
By studying the history and fluctuation rates closely, potential investors may know more about crypto and set their minds at ease that this is ultimately worth the investment. That being said, Scott Tominaga adds that whether you invest in crypto or not, just like any investment, you must stay committed.  
 
  Scott Tominaga earned his degree in Business Finance from Arizona State University in 1988. He is an experienced professional in the hedge fund and financial services industry. His skills involve expertise in middle and back-office accounting, compliance, and administrative functions within financial services firms. For more articles on finance and investment, visit this blog.  

Scott Tominaga: A Few Recommended Investments Today

 

Scott Tominaga: Great Investments to Look at Today

Investing has been difficult throughout the past three years, especially with experts claiming that period was not the time to invest or that cash was currently vital at that point. However, as pharmaceutical companies and governments worldwide raced to develop a vaccine for COVID-19, it was only a matter of time before the world reopened. When it finally did, people only had a finite amount of time to hop on and invest in crucial opportunities. According to financial advisor Scott Tominaga, here are some of today's most highly recommended post-pandemic investment opportunities.

First, you have gas and oil.

The gas and oil industry took a heavy blow because of the pandemic. People weren't going places, the airline industry was partially crippled, and the demand was at an all-time low.

That said, as the world reopened, it was inevitable that everyone wanted to be somewhere else other than their homes. Tourism, logistics, and day-to-day travel made a comeback. That is why gas and oil were as important as they always have been.

Next, Scott Tominaga mentions e-commerce.

The world has undergone immense change in the past few years, and people have had to make significant adjustments to keep up. From remote work to virtual meetings, it seems like everyone has adapted in some way.

However, one industry that has truly taken center stage in this new world is e-commerce. Whether it's for groceries, clothes, or even furniture, people have turned to online shopping in droves. As we move forward, it's clear that e-commerce isn't just a passing trend but a crucial infrastructure that will continue to shape the way we live and work. As such, we must continue to support and innovate within the e-commerce industry, helping businesses thrive and survive in our newly opened world.

Lastly, there's automation.

While we already have a robust automation infrastructure, experts predict that more companies will shift toward industrial automation.

They were not doing it before, which cost these companies a lot when the pandemic hit because they needed a workforce. However, as soon as the coast was cleared, Scott Tominaga says that many companies continued their shift to industrial automation.

Scott Tominaga is a professional in the hedge fund and financial services industry. He has been responsible for daily back-office operations, including investor relations and marketing. More articles like this on this page.

Scott Tominaga: How to Identify Undervalued Stocks?

 

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Scott Tominaga: How to Spot an Affordable Stock?

Stock investing can be a bit of a gamble. Everyone's heard the adage to "buy low and sell high," but it's easier said than done. Thousands of people worldwide — from seasoned professionals to part-time day traders — are trying to figure out how to make the most of their investments and turn a profit. But how do they identify undervalued stocks? 

It takes a bit of research and analysis, along with a healthy dose of intuition. Investors look at various factors to determine whether a stock is worth buying or selling, including the company's financial health, competitive landscape, and overall growth potential. It's all about weighing the risks and rewards and making informed decisions.

Since undervalued stocks can come from any company and industry, finding them at the right time to profit from them can be tricky. Here are a few tips from Scott Tominaga on how to find them.

Stick with what you know.

To begin with, finding undervalued stocks relies partly on accurately valuing the stock, says Scott Tominaga. If you don't know much about the company or industry, it'll be almost impossible to value the stock accurately.

For example, if you don't know anything about the food industry, you'll probably lack the knowledge to know if that niche restaurant company has a bright or dim future. And you'll probably need at least some financial sector knowledge before evaluating that regional bank.

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Dig into the company.

For many reasons, a company's share price can differ from its intrinsic value. And many of those reasons aren't easily quantifiable.

Scott Tominaga suggests that you go beyond math. Dig into the company, the industry, the headlines, and the employees. All of these can provide crucial information for valuing a company.

For example, if people within a company are buying up some of its stock, that could be a sign that they think it has a lot of value. They usually know better than people looking from the outside in. On the other hand, if everyone is selling shares — that could be a sign that there's trouble coming.

Scott Tominaga is the Chief Operating Officer of PartnersAdmin LLC, a company established to provide a quality, outsourced solution to meet the dynamic back-office needs of the alternative funds industry. Check out this blog for more articles on business and finance. 

Finance Basics: Scott Tominaga on the Role of the SEC

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Scott Tominaga: The SEC on Protecting Investors.

The Securities and Exchange Commission (SEC) is an independent government agency responsible for protecting investors and ensuring the integrity of the U.S. securities markets. The SEC restored public confidence in financial markets after the Great Depression, notes Scott Tominaga. It aims to increase fairness and transparency in financial markets by requiring comprehensive financial reporting and restricting insider trading.

The Securities and Exchange Commission (SEC) plays an essential role in safeguarding investors' interests and upholding the integrity of the securities market. As a regulatory agency, the SEC is responsible for enforcing the securities laws enacted by Congress and prosecuting anyone attempting to defraud or circumvent them. 

By taking such measures, the SEC ensures that companies are accountable for their financial reporting and that investors can trust the information they receive from them. The SEC's mandate is to maintain fair and transparent practices in the securities market, protecting the interests of all U.S. citizens who participate in investing. Its efforts are vital to fostering a healthy, sustainable economy where investors can confidently participate in securities transactions with full confidence and trust.

Scott Tominaga notes that the commission protects investors from fraudulent activities like Bernie Madoff's infamous pyramid scheme. If a broker or asset manager takes advantage of their clients, the SEC can investigate them and bring charges.

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The 2011 Dodd-Frank Act created a whistleblower program. The program rewards citizens reporting securities law violators to the SEC. Whistleblowers receive 10% to 30% of the penalties collected by the SEC.

Scott Tominaga mentions that the commission may have unintentionally facilitated the banking crisis that led to the Great Recession—the SEC relaxed the net capital rule in 2004. It allowed investment banks to increase financial leverage. The change incentivized investment banks to take on more mortgage-backed securities. Unfortunately, Scott Tominaga says many of these securities were composed of subprime mortgages. As delinquencies on the mortgages ended up in default, the value of the securities held by banks fell sharply. 

Although the SEC couldn't prevent the crisis, it was able to act on behalf of investors to pursue justice for the illegal actions of many individuals and institutions who caused the crisis.

Scott Tominaga earned his degree in Business Finance from Arizona State University in 1988. He is an experienced professional in the hedge fund and financial services industry. His skills involve expertise in middle and back-office accounting, compliance, and administrative functions within financial services firms. For more articles on finance and investment, visit this blog. 

How to Pick a Mutual Fund: A Guide by Scott Tominaga

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Scott Tominaga on Choosing the Best Mutual Fund.

A mutual fund is an investment product comprised of a pool of money from many investors. The pooled fund is used to invest in securities like bonds and stocks. There are many types of funds available. For some investors, this vast number of available products can be overwhelming. Scott Tominaga shares some tips on how to choose the best mutual fund.

Identifying Goals and Risk Tolerance 

Before investing in any asset class, you must identify your investment goals. Is your primary objective capital gains, or is income more important? Will you use the money to pay for your college tuition or to fund a retirement that's years away? Identifying your goal is crucial in choosing a mutual fund to help you achieve your financial goals. 

You should also know your risk tolerance. Can you accept dramatic swings in portfolio value caused by market volatility? Or do you prefer a more conservative investment approach? Risk and return are directly proportional, so you must balance your need for returns against your ability to stomach risk. 

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Loads and Fees 

Scott Tominaga explains that mutual funds make money by charging fees to investors. 

Most funds charge a sales fee known as a load. Investors will be charged at the time of purchase or upon the sale of the shares. When you buy shares in the fund, a fee from your initial investment is called a front-end load. A fee that must be paid upon selling your shares is called a back-end load. The back-end load applies if the shares are sold before the time set by the fund, typically five to ten years from purchase. This charge is intended to discourage investors from buying and selling too often. The fee is usually the highest for the first year you hold your shares, then decreases the longer you keep them, explains Scott Tominaga. Before purchasing, understanding the different types of loads and fees associated with a fund is important.

Scott Tominaga, the Chief Operating Officer of PartnersAdmin LLC, is an experienced professional in the areas of middle and back office, accounting, compliance, and administrative functions within financial services firms. He also interfaced with fund managers and professional service providers to establish efficient, transparent operations and reporting structures. For more about his work, visit this page. 

Scott Tominaga: Why Index Funds are a Smart Investment

 

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Why Invest in Index Funds? Scott Tominaga Answers

With a net worth of almost 100 billion, Warren Buffett is perhaps the most successful investor. His investing approach, based on discipline, value, and patience, has yielded returns that have consistently outperformed the S&P 500 for decades. While regular investors don't have the money and the knowledge to invest the way Buffett does, they can always follow one of his best recommendations: investing in low-cost index funds.

As investing becomes an increasingly popular way of building long-term wealth, a variety of tools are available to help individuals achieve their financial goals. One such tool that has gained popularity in recent years is the index fund. Designed to track specific investments, these funds offer investors a low-cost way to achieve diversified exposure to a range of companies and assets. 

According to Scott Tominaga, an index fund can be either a mutual fund or an exchange-traded fund (ETF), allowing investors to choose the investment vehicle that best suits their needs and goals. With the ability to provide long-term growth potential and a low-maintenance investing approach, it's no surprise that index funds have become a preferred investment option for many.

Scott Tominaga says the S&P 500 index fund is the most popular worldwide. It is the commonly used benchmark for determining the state of the US economy. But there are index funds for every investment strategy you can think of. 

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When you invest in an index fund, you get a basket of securities in one low-cost investment. In addition, many index funds provide exposure to thousands of stocks in just a single fund. It can help lower your risk through broad diversification. Scott Tominaga points out that you can build a portfolio that matches your desired allocation by investing in several index funds or ETFs that track different indexes. For example, you can put 50% of your money in bond index funds and 50% in stock index funds.

For decades, the S&P 500 index fund has consistently beaten other types of funds in terms of average annual return and total return. One major reason is that it has much lower management fees than other funds because it is managed passively. Instead of having one manager actively trading in and out of the market, the index fund's portfolio copies its designated index. 

If you're looking to buy your first index fund, you can do it through brokerage firms or directly from a provider of index funds, such as Vanguard.

 Tominaga, the Chief Operating Officer of PartnersAdmin LLC, is an experienced professional in the areas of middle and back office, accounting, compliance, and administrative functions within financial services firms. He has previously filled primary roles in forming several operational infrastructures. He also interfaced with fund managers and professional service providers to establish efficient, transparent operations and reporting structures. For more about his work, visit this page. 

Scott Tominaga on Why You Should Invest in Your Health

 Scott Tominaga: Benefits of Investing in Your Health

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Scott Tominaga, a veteran investment planner and head of PartnersAdmin, stresses the importance of investing in one's health. Despite how easy it can be to overlook, a person's health is arguably their most valuable asset, and ensuring it's in top form is crucial to living a fulfilling life. Taking care of oneself can seem difficult amid busy schedules and endless priorities, but the benefits of investing in one's health speak for themselves. By focusing on maintaining good health, individuals avoid potential future health complications, increase their productivity, and overall lead happier life. To maintain this invaluable asset, one must invest the time, effort, and resources they would make any other investment.

On that note, Scott Tominaga advocates for business leaders to prioritize their health. By investing in their physical and mental well-being, business leaders can increase their energy levels, boost their focus and productivity, and ultimately lead their organizations toward greater success.

First, everyone knows that a healthy body contributes largely to a healthy mind. 

The mind-body connection has been proven countless times by science. For business leaders, a sharp mind is everything. If something is wrong with their physical health, it also affects their mental health. Investing in one's physical health is also an investment in one's mind.

Next up, Scott Tominaga mentions how much time an investor needs to become successful and a healthier body can handle long hours.

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Being a business leader himself, Scott Tominaga says that business leaders often work long hours. That is why it pays to be fit and healthy. All those hours spent in conferences, meetings, travel, and the like can take their toll on the body. Fortifying oneself ensures that a person can work at optimum levels.

Lastly, a healthy body has a lower chance of getting sick.

While everyone has sick days, for business leaders, one day may be costly to them and the company. Staying healthy minimizes this risk, Scott Tominaga adds.

What are the things you do to stay fit and healthy? How has being healthier affected your work life?

Scott Tominaga earned his degree in Business Finance from Arizona State University in 1988. An experienced professional in the hedge fund and financial services industry, his skills involve expertise in middle and back-office, accounting, compliance, and administrative functions within financial services firms. For more articles on finance and investment, visit this blog.

Scott Tominaga on Why the Financial Services Sector Matters

 

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Scott Tominaga: How the Financial Services Sector Operates

The financial services sector is the lifeblood of commerce, providing individuals and organizations with various essential banking and investment tools. From mortgages to credit cards, from payment transactions to tax preparation planning - this ubiquitous industry works tirelessly behind-the-scenes make sure our economic lives remain financially sound.

 

The financial services sector has three subcategories. These are personal finance, public or government finance, and corporate finance. Scott Tominaga shares that personal finance handles a person's financial activity and overall well-being. It examines an individual's income, living expenses, dreams, and plans. Financial planning in personal finance requires a thorough assessment of a person's current financial disposition. The assessment will help with the formulation of financial strategies.

 

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Public finance handles budgeting, spending, taxing, and debt-issuance policies, which impact how the government charges the public for its services. In the US, the state and federal governments oversee how resources are split, distributed, and allocated for economic stability. This way, public finance can prevent market failure. Taxation secures regular government funding. A government can get finance for its spending by borrowing from insurance companies, banks, and other countries.

 

Corporate finance handles the financial activities linked to managing corporations. Generally, companies keep an in-house finance department to oversee their financial activities. According to Scott Tominaga, corporate finance deals with decisions such as raising additional funds by employing stock offerings or bond issues. In addition, investment banks play a role in keeping companies afloat. These banks lend their expertise to companies by advising them on relevant investment decisions to help market the securities.

 

The financial services sector is an integral part of the economy. One of the most influential sectors, it offers various services targeting different activities. It's important to note that financial services are different from financial products. Rather, it's the vehicle for a customer to receive financial goods.

 

Scott Tominaga, the Chief Operating Officer of PartnersAdmin LLC, is an experienced professional in the areas of middle and back office, accounting, compliance, and administrative functions within financial services firms. Visit this blog to read more posts from Scott Tominaga.

Scott Tominaga's Investment Guide for Retirees

 

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Scott Tominaga Talks About Investing for Retirement

Just like marriage, retirement is considered a milestone in a person's life. But, according to PartnersAdmin LLC's Scott Tominaga, retirement requires a lot of planning, especially financially, to make it go smoothly. Sadly, many retirees have not saved or invested enough as their biggest regret.

 

However, there is still hope. For this blog post, Scott Tominaga shares a few alternative investments to consider before or even after you retire.

 

The first investment you should look into is real estate.  

 

Finding old buildings and fixing them as living spaces or commercial structures has proven lucrative. 

 

For retirees, though, the former might be better. It entails less work with maintenance and paperwork. Having two or three apartments to rent out means you'll receive a steady cash flow from the rent every month.

 

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Next, there's the emergency account.  

 

This investment means a separate account from your 401k and savings. It also means you should open it way before you retire. The philosophy behind this is akin to having a safety net when starting a business. 

 

An emergency account will supplement your savings and plans if an emergency should occur and you're left with zero funds.  

 

Finally, there are bonds.  

 

Many retirees know the value of bonds and have survived because of them. Just like real estate, bonds provide income regularly. There are several bonds out there that can make for a worry-free retirement, adds Scott Tominaga.

 

 

ScottTominaga, the Chief Operating Officer of PartnersAdmin LLC, is an experienced professional in the areas of middle and back office, accounting, compliance, and administrative functions within financial services firms. He has previously filled primary roles in forming several operational infrastructures. He also interfaced with fund managers and professional service providers to establish efficient and transparent operations and reporting structures. For more about his work, visit this page.

Scott Tominaga: Low-Risk Investments for Seniors

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 Scott Tominaga's Investment Picks for Retirees

As one nears retirement, Scott Tominaga says they must become more aware of the financial stability of sound investment strategies. This involves examining the best options available and guarantees that one's retirement portfolio will allow for peace of mind. It's also a huge plus that it comes with various perks, from guilt-free shopping to traveling the world. 

 

 

According to Scott Tominaga, the first low-risk, the high-gain option is P2P or peer-to-peer lending.

 

P2P is an online investment that matches borrowers and investors in mutually beneficial loans. It is worth considering as among the primary investment choices. P2P often pays out higher interest rates than your typical stocks. 

 

 

A sound second choice is annuities. 

 

Annuities are investment contracts between an investor and an insurance company. These contracts come in various forms. They can either be variable or fixed. That said, annuities usually guarantee a return by a particular date. Though these often hinge on how the stock market fares, Scott Tominaga says the contract may include a provision limiting downside risks.

 

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Lastly, it would be best to look at real estate investment trusts, otherwise known as REITs.

 

Here one invests in mortgages and direct equity positions from different properties. REITs pay dividends to their investors. The yields here are often higher than what you can gain from stock dividends. This is a great option when the stock market is in decline. This is because they are not correlated with exchanges in stocks, adds Scott Tominaga.

 

ScottTominaga is the Chief Operating Officer of PartnersAdmin LLC. He has almost two decades of experience in the hedge fund and financial services industry. His company was established in 2008 to provide a quality, outsourced solution to the alternative fund industry's dynamic back office needs. Visit this page for more on Scott and PartnersAdmin.