Everything you wanted to know about stock market investing by cnbc pdf
This post may contain affiliate links. Please read my disclosure page for more info. Motif Investing is one of my favorite online brokers. Motif has been in business for six years and has made a good name for themselves. However, Motif Investing has made quite a number of platform upgrades recently, so I wanted to do a full update of our Motif Investing review for to give some insight on the new changes to the Motif platform.
Motif Investing is part traditional discount brokerage and part robo-advisor. The basic premise behind Motif is to give investors more control of how they invest, along with providing theme-based investing for those who want their investing to align with their values. For those who must start investing in the stock market with little moneyMotif makes it simple to begin the path to growing wealth.
With their hybrid approach, Motif can serve a range of clients. If you prefer more of an automated, theme-based approach, Motif offers several options to help you. I mentioned platform upgrades to the Motif site.
Legacy Motif, for lack of a better term, are the original offerings from Motif Investing. You can either create your own motif, or you can purchase one of their pre-made motifs — there are roughly pre-made motifs. There are two key things I like about this setup.
First, it gives you as the investor the ability to trade by theme. I do most of our investing through Vanguard, but keep a small play account open with Motif.
If you want a secondary investing option like that, or simply just need to start investing, Motif Investing is a good platform to use.
Motif Blue is one of the two newer features added by Motif Investing of late. Motif Blue targets one main client type — more active traders. Whereas the legacy Motif offerings are more for those who want to start investing or who want to invest in a specific theme. The main draw of Motif Blue is that you get access to auto-investing and rebalancing features, exclusive market reports and real-time quotes through the site.
I like the new feature but do honestly question the value of some of the offerings.
Impact is the newest platform upgrade by Motif Investing. Motif is betting on the assumption that investors are increasingly concerned about investing with their morals, otherwise known as socially responsible investing. For example, if you care about protecting the environment or corporate behavior you can construct a portfolio that embraces that value. This sounds a lot like what Motif offers with their legacy motifs and it is, but Impact goes farther than that.
This is where the automated, robo-advisor piece of Impact comes into play. You open a Motif Impact account and answer several questions — largely consisting of your age, timeline, goal and particular areas in which you to care to invest. The process itself only takes several minutes to complete. Once you answer the questions, Motif uses the Modern Portfolio Theory MPT approach to build your portfolio.
They strip out any companies that may not be inline with what you care about. Given that this is a completely brand new feature by Motif Investing, time will tell what else they add to the offering.
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To be honest, I have been pretty impressed with Motif Investing over the years. Motif makes it pretty straightforward to open an account, and the platform is intuitive and simple to use. Having used a variety of broker platforms currently and in the past, I would rate Motif ahead of the curve when it comes to ease of use and navigation through their platform.
I think with the addition of Blue and Impact, Motif Investing is taking strides to be more of a full-service option for investors. Open a Motif Investing account and start investing today! After reading my Motif Investing review, what do you think of this style of investing? Do you have a small portion of your portfolio that you allocate to invest in certain sectors or niches?
Great review, John — nice and thorough! If dividends are your main thing then there are generally better options out there for you. You can always withdraw dividends from Motif.
They have several Motifs with emphasis on dividends.
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They have loads of my money. I first heard about Motif investing a little over a year ago as Peter at Bible Money Matters was telling me about it. I think it can be a good way to invest because many times people are looking to invest in a specific market or area.
This is a really interesting approach. I think it could be good for people who want to experiment a bit with where they invest. An account where the grandparents can make a donation to every Christmas instead of useless gifts.
Or am I mis-reading the capabilities of Motif? That sounds like a great idea and way to get started early! Thanks for stopping by! Good review, as a Motif investor I can affirm that everything you say in your review is accurate. The only negative I have experienced is that currently, when you re-balance a motif, it will result in the sale of some stocks in the motif, which may result in a taxable event.
It would be great if Motif offered an option to re-balance using only stock purchases and no stock sales and so no taxable events. That is certainly something to consider and could lead to a surprise if not done in a retirement account. What Motif offers seems counterintuitive to all of that programming.
Am I missing something? They can hold up to 30 stocks, so you should be able generally speaking of course to diversify. I am currently using the Motif Investing MI site, and I agree with your review. Before I executed my first trades, and even before I opened my account, I created a login on MI and then reviewed literally all of the motifs that the pre-built. I watched them for a couple of months and decided which I wanted to purchase.
With 8K in the account I started customizing and buying motifs. I created one on my own, but I did not publish it for public viewing. That may seem odd but you pointed out that fees for modifying the motifs can eat into profits. With that said, I have been having a blast with MI and I am happy that I can create my own investment motifs and customize others and see how them perform. I will mention that I have other investment accounts that are seriously and vigorously managed.
MI is where I get to act like an investment manager on my own behalf and I love it! I am one of those with a constant need to rebalance. What I have done is turn notifications off on my phone for this app and instead, I set a reminder on my calendar for every six months to take a look at the available rebalances.
Works much better for someone like me…. I would not want to set up an IRA if I were going to be taxed and penalized on cash payouts. Thanks for your helpful post. The cash would sit there and earn a little bit of interest until you everything you wanted to know about stock market investing by cnbc pdf decide to use it to purchase another holding. Glad to be of help and thanks for stopping by. The cost saving is still worth it to me.
Good summary of MOTIF. However, one issue that needs to be addressed is about how good their shanghai stock market website is, especially if the spreads are wide.
However, if their execution is bad and your trades lose, let us say. As with any other broker, Motif is audited by their regulators to verify best execution. You would also be investing in the singular or multiple Motifs and not trading individual stocks.
I really like Motif. Thank you for a great article. I have read up on Motif and am interested in opening an account very soon. If I stick with the pre-planned portfolios and do not deviate or switch out stocks, can I simply sell the entire portfolio for macam mana nak belajar main forex one as my personal investing needs change?
Not a problem Pinky, glad to help! I see no mention of TAX implications. Are TAX software companies on board with how these returns are compiled in your TAX preparations. Yea, another commenter mentioned that above and need to add it to the review.
Everything You Wanted To Know About Stock Market Investing By Cnbc Pdf
What is minimum trade amount allowed? What is the minimum of the motif size for the small investor? I would think this type of investing is a tax nightmare. Make sales of 4 motifs with 25 stocks each and you have to report stocks! Sorry for just catching everything you wanted to know about stock market investing by cnbc pdf now James. For example, a suggested minimum investment amount? Motif is a great way to get started with little money to begin with as well as to get your feet wet with investing.
You can add more to it from there, of course, but just need that minimum amount to begin with. I dealt with that at Loyal3.
Currently there are seven stocks I can start with. With how to make money with craigslist and ebay few to begin with, should I even bother? They are all dividend stocks. Hey there John… I am a teacher struggling to save money. Can you help me understand the process and how I can get started. Sorry for just catching this now Luis. Motif Investing could be an option, but requires a bit more hands on investing.
Please comment on how they execute a Motif trade. A delayed execution can cost investor heavily on volatile day. Thanks for stopping by Adam — great questions. That being said, to my knowledge, it would always be a market order. Yes, an IRA would keep accounting significantly simpler.
Thanks, this is a great article. Is it really that much of a headache to do your taxes if you invest in stocks or motifs in this case? Sorry for just catching this now Craig. If I wanted to have 7 stocks or ETFs in my portfolio all at different weights doing that in a traditional sense would cost me 7 trades. You hit the nail on the head Seth. Hi John — thank you for your review. These functions might all come from Pershing, their trading back-end.
Not a problem at all. Those are great questions. Yes, you can download statements, activity, etc. Are checking accounts or ATM debit cards offered as a means of withdrawing cash accumulated in the account from sales or dividends received? I think i would like to use Motif as a secondary investment account but was wondering if you had any recommendations for a primary account knowing that I will have Motif as a secondary.
I am a young investor and have some basic investment knowledge but this will be my first foray into actually investing.
Now that I have paid off student loans and have an emergency fundI would like to start my investing with about 5, and was wondering if you had any recommendations? My investment strategy will start of more conservative while using Motif to play a little bit. No day trading for me. Glad you found it helpful Latrice!
They both manage things for you and do so in line with your specific goals. Your email address will not be published. Notify me of followup comments via e-mail. You can also subscribe without commenting. As a veteran of the financial services industry, I've seen a lack of basic investing knowledge destroy too many retirement accounts and financial futures.
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