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.

Scott Tominaga on the Growth-Venture Capital Debate

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 Scott Tominaga Weighs in on Growth Vs Venture Capital

 Growth or venture capital? In this blog post, Scott Tominaga examines these two investment approaches and shares his insights to help investors craft their investment strategies.

 

What is Venture Capital?

 

Venture capital, or VC, is a branch of private equity that focuses on investing in startups and other early-stage companies with tremendous potential for growth. Though often associated with Silicon Valley and the technology sector, many Venture Capital firms are willing to invest in young companies from any industry.

 

In contrast to traditional private equity funds, which tend to invest in a handful of established companies in mature industries, venture capital funds often invest in dozens of small firms. Though many, if not most, of the firms are expected to fail, the VC firm hopes that the outsized returns of the few successful companies will more than cover the failures.

 

What is Growth Capital?

 

Like Venture Capital, Growth Capital (also known as Growth Equity) is another subset of private equity. However, in contrast to VC, Growth Capital is an investment strategy wherein funding is given to older, more mature companies.

 

This has several goals, such as expanding capital, restructuring operations, and funding newly acquired companies. While VC aims to help new companies get off the ground, Growth Capital seeks to help established companies transform or modify their business model.

 

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The Verdict

 

Ultimately, Scott Tominaga believes both strategies should be seen as complements. In addition, he points out that the success of each strategy could depend on the current point in the business cycle, which means that investing in both approaches could offer an investor's portfolio some needed diversification.

 

In the end, Tominaga notes that regardless of the strategy employed, the most important factor may be the quality of the investment firms themselves. Though the highest-performing funds easily beat the overall market's returns on a risk-adjusted basis, most cannot equal such feats, making the choice of fund manager all the more important.

 

 

Scott Tominaga is PartnersAdmin LLC's Chief Operating Officer and has nearly 20 years of experience in the hedge fund and financial services industry. Visit this page for more on Scott and his work.

Finance Corner: Scott Tominaga on the Two Types of Accounting

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Learning About the Two Accounting Types with Scott Tominaga

Small business owners often take for granted the type of accounting system they use. In fact, they may be completely unaware of whether they employ cash basis or accrual basis accounting, instead leaving that choice to their accountant. Nevertheless, finance expert Scott Tominaga indicates that all small business owners should familiarize themselves with both accounting methods, including the benefits of each.

 

For cash basis accounting, the transactions are reported when money is either spent or received. For example, you record an expense when cash is paid for a new piece of equipment or when a customer pays you for services rendered.

 

In contrast, with accrual basis accounting, income is recorded when earned, and deductions are recorded when they are incurred. For instance, if a piece of equipment is purchased by a company and is expected to last five years, its cost is spread across its lifetime. The result is that the company's earnings are smoothed, and its books more accurately reflect the company's true financial health.

 

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Scott Tominaga mentions the company owner's choice depends on several factors. For this, finance experts and tax accountants should be consulted. Cash basis accounting is usually more intuitive and easier to understand for someone not well-versed in accounting. In contrast, the accrual method is more complicated but preferred by most companies. In addition, some business types, such as C Corporations, can no longer use cash basis accounting in the United States for tax purposes.

 

Based on the information above, which type of accounting do you believe best suits your business? Share your thoughts with Scott Tominaga in the comments section below.

 

 

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.

What Makes Equity Markets Different From Debt Markets?

 

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    Scott Tominaga notes that one of the most important functions of a company is raising capital. As he points out, there are, broadly speaking, two main ways a company can finance its operations: taking on debt or issuing equity. While debt entails borrowing a fixed amount with an agreement to repay it with interest over time, issuing new equity entails selling an additional ownership stake to another person or entity.

 As Scott Tominaga further explains in this article, the equity and debt markets operate in two distinct ways.

The distinction

The stock market is the venue for buying and selling stocks and pertains to several well-known marketplaces such as Nasdaq, the London Stock Exchange, and the New York Stock Exchange, to name a few. Though stocks were originally bought and sold in person on a trading room floor, now almost all of these transactions occur via computers.

 

Meanwhile, Scott Tominaga explains that the debt or bond market is the arena for investing in fixed income assets. It is worth noting that there isn't a single physical exchange for bonds since most of these transactions are made by individual investors or between large institutions and brokers.

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Clearing up confusion

The distinction between debt and equity and their associated markets must be made at the onset, as most beginners in the industry often have to deal with the confusion of whether debt financing or equity financing is more suitable for their situation.

 

To sum it up, investors and traders in the debt market buy and sell bonds, while those in the equity market buy and sell shares of stock.

 

What are your thoughts on debt markets and equity markets? Do you prefer one over the other? Do you have any tips on navigating these markets? If so, do share them with Scott Tominaga in the comments section below.

 

Scott Tominaga is a seasoned professional in the financial services and hedge fund industry. He has written several blogs and articles on a broad range of topics. Click this link to read past articles from Scott Tominaga.

The Roles and Responsibilities of a Hedge Fund Analyst

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For a hedge fund to become successful, the pooled funds must be strategically used so that they will earn an active return. For that reason, Scott Tominaga states that hedge fund analysts have critical roles to play in ensuring that the investors get their money's worth. Listed below are some of the roles and responsibilities of a hedge fund analyst.
· They identify investments that are worth trading for. As such, they have to be able to perform quantitative research that would help them objectively identify the assets that would multiply their fund's wealth and those that adhere to the fund's trading strategy and mandate. In addition, hedge fund analysts must keep abreast of the latest economic trends, financial news, and market forecasts.

· Because a hedge fund's trading team or portfolio manager has to pore many options, a detailed presentation or recommendation must be presented to them. Hedge fund analysts need to develop detailed research that discusses a potential investment's current and future standing within the industry, the actual valuation of a company, and other pertinent information.

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· As Scott Tominaga notes, finance professionals or institutions must be diligent in monitoring their investments. The same is required for hedge fund analysts. While it is usually the portfolio manager who handles the investment itself, the analysts are in charge of continuously monitoring the performance and current position of the companies invested in and providing the portfolio manager with the recommended courses of action.

· The financial world is evolving at a very fast pace. As such, hedge fund analysts must develop the necessary skills to complement their investing prowess. These include people management to resolve interpersonal conflicts that may arise, risk management, and market and capital raising.

Scott Tominaga is the COO of PartnersAdmin LLC, having had nearly two decades of experience in the hedge fund and financial services industry. He has become proficient in various areas within financial services firms, such as middle and back office, accounting, compliance, and administrative function. Click here for more information.

How to Set Up Your Own Private Equity

 Private equity is a type of investment that involves the purchase of shares in a company -- shares that are not traded on a public stock exchange. Private equity investors provide capital to companies in exchange for an ownership stake in the business, explains Scott Tominaga, Chief Operating Officer of Partners Admin LLC and industry veteran and expert.

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Private equity firms typically invest in companies and businesses experiencing financial difficulties or undergoing a corporate restructuring. The goal of these private equity firms is to improve the financial performance of the companies they invest in and then sell their stakes at a profit.

Where to Start
As Scott Tominaga explains, there are several ways to set up a private equity fund. The most common method of creating a private equity fund is to create a limited partnership, which is an arrangement between a group of investors and a general partner who manages the fund.

Another way to set up a private equity fund is to create a limited liability company or LLC. This structure gives the fund managers more flexibility in how they operate it.

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In Search of Capital
Once you have decided on your private equity fund structure, you need to raise capital. The most common way to get the required money is to solicit investments from accredited investors, individuals, or institutions that meet certain criteria set by the Securities and Exchange Commission.

If you can attract accredited investors and invest in high-growth companies, Scott Tominaga notes that you can set up a successful private equity fund. However, it is important to remember that these types of investments are risky, and you could lose all your investments if the companies you invest in does not perform well.

Read more about private equity and other finance topics when you subscribe to this Scott Tominaga blog.