{"id":11803,"date":"2021-04-09T03:58:00","date_gmt":"2021-04-09T10:58:00","guid":{"rendered":"https:\/\/ltwealth.ca\/?p=11803"},"modified":"2021-04-09T09:09:24","modified_gmt":"2021-04-09T16:09:24","slug":"three-steps-to-successful-investing","status":"publish","type":"post","link":"https:\/\/crossborderwealth.ca\/2021\/04\/09\/three-steps-to-successful-investing\/","title":{"rendered":"Three Steps to Successful Investing"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"11803\" class=\"elementor elementor-11803\" data-elementor-settings=\"[]\">\n\t\t\t\t\t\t<div class=\"elementor-inner\">\n\t\t\t\t\t\t\t<div class=\"elementor-section-wrap\">\n\t\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-ef6fea9 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"ef6fea9\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t\t\t<div class=\"elementor-row\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-7ea44ec\" data-id=\"7ea44ec\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-column-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-36cb9d4 elementor-aspect-ratio-169 elementor-widget elementor-widget-video\" data-id=\"36cb9d4\" data-element_type=\"widget\" data-settings=\"{&quot;video_type&quot;:&quot;vimeo&quot;,&quot;autoplay&quot;:&quot;yes&quot;,&quot;aspect_ratio&quot;:&quot;169&quot;}\" data-widget_type=\"video.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-wrapper elementor-fit-aspect-ratio elementor-open-inline\">\n\t\t\t<iframe class=\"elementor-video-iframe\" allowfullscreen title=\"vimeo Video Player\" src=\"https:\/\/player.vimeo.com\/video\/534653412?autoplay=1&amp;color&amp;autopause=0&amp;loop=0&amp;muted=0&amp;title=1&amp;portrait=1&amp;byline=1#t=\"><\/iframe>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-5b0d05ff elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5b0d05ff\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t\t\t<div class=\"elementor-row\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-7803456b\" data-id=\"7803456b\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-column-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-e31c12c elementor-widget elementor-widget-text-editor\" data-id=\"e31c12c\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-text-editor elementor-clearfix\">\n\t\t\t\t<p>Every once in a while, it\u2019s useful to step back from the permanent chaos of political, economic and market events, and ask ourselves the fundamental questions: what am I investing for, and how will I know whether I\u2019m succeeding or not? The answers will not be found in today\u2019s media headlines and certainly not by attempting to predict tomorrows, but rather in your ability to establish goals and stick with a long-term plan.<\/p>\n<p>Successful, long-term investing ultimately comes down to three essential steps. Following these steps in order is the key to a worry-free retirement.<\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8fbd854 elementor-widget elementor-widget-text-editor\" data-id=\"8fbd854\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-text-editor elementor-clearfix\">\n\t\t\t\t<h3>Step 1: Set a Tangible Goal<\/h3>\n<p>Start your financial planning journey by asking yourself: What exactly am I investing for? Is it for retirement? A down payment for a home? My child\u2019s education? Begin with the end in mind, and be specific.<\/p>\n<p>If for example you\u2019re close to retirement, with a mortgage, and an investment account that isn\u2019t where you want it to be, your goal can\u2019t be to \u201cmake as much money as possible before retiring\u201d. This goal is not specific or measurable, there\u2019s no knowing whether or not it is attainable or realistic, and there is no timeframe to gauge progress or motivate you.<\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0fa73a9 elementor-widget elementor-widget-text-editor\" data-id=\"0fa73a9\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-text-editor elementor-clearfix\">\n\t\t\t\t<p><b>Try to frame your goal using this format:<br \/><\/b><em>I am __ years old, and my primary financial goal is ____. <\/em><em>In order to do this, I need to _____. <\/em><em>I want to achieve this by the time I am __ years old.<\/em><\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2a18be2 elementor-widget elementor-widget-text-editor\" data-id=\"2a18be2\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-text-editor elementor-clearfix\">\n\t\t\t\t<p><b>Sticking with the retirement example, your goal might look something like this:<\/b><br \/><em>I am <u>55<\/u> years old, and my primary financial goal is <u>to pay off my mortgage and save for retirement<\/u>. In order to do this, I need to <u>pay off $150k in mortgage debt and have $800k in my investment account<\/u>. I want to achieve this goal by the time I am <u>63<\/u> years old.<\/em><\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f95dba2 elementor-widget elementor-widget-text-editor\" data-id=\"f95dba2\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-text-editor elementor-clearfix\">\n\t\t\t\t<p>Once you have a tangible goal that is specific, measurable, attainable, reasonable, and timely, the next step is to structure a plan.<\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b0851d4 elementor-widget elementor-widget-text-editor\" data-id=\"b0851d4\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-text-editor elementor-clearfix\">\n\t\t\t\t<h3><strong>Step 2: Create a Plan<\/strong><\/h3>\n<p>Start by taking inventory of what you own and what you owe. Developing a clear picture of your assets and liabilities is a key first step in the planning process and will act as your starting point. We have a great tool we use with our clients called the <a href=\"https:\/\/www.raymondjames.ca\/en_ca\/solutions\/2019%20calculators%20v2\/net-worth-en\/index.html\" target=\"_blank\" rel=\"noopener\">Net Worth Calculator<\/a>. If you don\u2019t already have an accurate picture of your personal balance sheet, we highly encourage you to spend some time with this tool, filing it in as accurately as possible.<\/p>\n<p>Quick note: any numbers you input into any of our calculators are confidential and won\u2019t be shared with us; just make sure to press \u201cprint\u201d at the end so you can save a copy for your own records!<\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-40230df elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"40230df\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t\t\t<div class=\"elementor-row\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-981cbce\" data-id=\"981cbce\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-column-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-8680b9a elementor-widget elementor-widget-image\" data-id=\"8680b9a\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-image\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.raymondjames.ca\/en_ca\/solutions\/2019%20calculators%20v2\/net-worth-en\/index.html\" target=\"_blank\">\n\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"500\" height=\"333\" src=\"https:\/\/crossborderwealth.ca\/wp-content\/uploads\/2021\/04\/Retirement-Calculators.jpg\" class=\"attachment-large size-large\" alt=\"Calculator Image\" srcset=\"https:\/\/crossborderwealth.ca\/wp-content\/uploads\/2021\/04\/Retirement-Calculators.jpg 500w, https:\/\/crossborderwealth.ca\/wp-content\/uploads\/2021\/04\/Retirement-Calculators-300x200.jpg 300w\" sizes=\"(max-width: 500px) 100vw, 500px\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-6492eb7\" data-id=\"6492eb7\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-column-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3225aed elementor-widget elementor-widget-heading\" data-id=\"3225aed\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Net Worth Calculator<\/h4>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-da8de98 elementor-widget elementor-widget-text-editor\" data-id=\"da8de98\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-text-editor elementor-clearfix\">\n\t\t\t\t<p>Compare what you own to what you owe and calculate your net worth.<\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fb8aace elementor-widget elementor-widget-button\" data-id=\"fb8aace\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t<a href=\"https:\/\/www.raymondjames.ca\/en_ca\/solutions\/2019%20calculators%20v2\/net-worth-en\/index.html\" target=\"_blank\" class=\"elementor-button-link elementor-button elementor-size-sm\" role=\"button\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon elementor-align-icon-left\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-chevron-right\"><\/i>\t\t\t<\/span>\n\t\t\t\t\t\t<span class=\"elementor-button-text\">Launch Calculator<\/span>\n\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-bf62caa elementor-widget elementor-widget-text-editor\" data-id=\"bf62caa\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-text-editor elementor-clearfix\">\n\t\t\t\t<p>Once you have your start point (personal balance sheet) and end point (your goal) defined, you now have to come up with a cash flow plan that will get you from A to B. At this point we\u2019re still not concerned with investments; we\u2019re more focused on saving and spending.<br \/><br \/>We have another great tool to help you with cash flow planning called the <a href=\"https:\/\/www.raymondjames.ca\/en_ca\/solutions\/2019%20calculators%20v2\/pay-yourself-first-en\/index.html\">Pay Yourself First Calculator<\/a>. This tool will help you get an accurate picture of what it will take to go from where you are now to where you want to be. Once again, don\u2019t forget to click \u201cprint\u201d at the end so you can save a copy for your records!<\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-a4c17a9 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"a4c17a9\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t\t\t<div class=\"elementor-row\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-45f4f67\" data-id=\"45f4f67\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-column-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-a150ea8 elementor-widget elementor-widget-image\" data-id=\"a150ea8\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-image\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.raymondjames.ca\/en_ca\/solutions\/2019%20calculators%20v2\/pay-yourself-first-en\/index.html\" target=\"_blank\">\n\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"500\" height=\"375\" src=\"https:\/\/crossborderwealth.ca\/wp-content\/uploads\/2021\/04\/piggy-bank-with-golden-coins-financial-investment-TCLZ3ZP.jpg\" class=\"attachment-large size-large\" alt=\"\" srcset=\"https:\/\/crossborderwealth.ca\/wp-content\/uploads\/2021\/04\/piggy-bank-with-golden-coins-financial-investment-TCLZ3ZP.jpg 500w, https:\/\/crossborderwealth.ca\/wp-content\/uploads\/2021\/04\/piggy-bank-with-golden-coins-financial-investment-TCLZ3ZP-300x225.jpg 300w\" sizes=\"(max-width: 500px) 100vw, 500px\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-1101e3e\" data-id=\"1101e3e\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-column-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-0450676 elementor-widget elementor-widget-heading\" data-id=\"0450676\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Pay Yourself First Calculator<\/h4>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-87a5332 elementor-widget elementor-widget-text-editor\" data-id=\"87a5332\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-text-editor elementor-clearfix\">\n\t\t\t\t<p>Compare two different savings plans to determine the optimal amount to help you reach your goals.<\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3bf19d7 elementor-widget elementor-widget-button\" data-id=\"3bf19d7\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t<a href=\"https:\/\/www.raymondjames.ca\/en_ca\/solutions\/2019%20calculators%20v2\/pay-yourself-first-en\/index.html\" target=\"_blank\" class=\"elementor-button-link elementor-button elementor-size-sm\" role=\"button\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon elementor-align-icon-left\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-chevron-right\"><\/i>\t\t\t<\/span>\n\t\t\t\t\t\t<span class=\"elementor-button-text\">Launch Calculator<\/span>\n\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-47650f6 elementor-widget elementor-widget-text-editor\" data-id=\"47650f6\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-text-editor elementor-clearfix\">\n\t\t\t\t<p>Now that you have a tangible goal, an accurate picture of what you own and owe, as well as an idea of what it will take for you to get from A to B, it is time to move on to the final step.<\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7d11c07 elementor-widget elementor-widget-text-editor\" data-id=\"7d11c07\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-text-editor elementor-clearfix\">\n\t\t\t\t<h3>Step 3: Optimize Your Investment Portfolio<\/h3>\n<p>Only once you have clear goals established and a plan in place, should you start thinking about specific investments and portfolio allocation. Success in this department ultimately comes down to risk management and if you aren\u2019t careful, you could end up derailing your retirement goal. If you\u2019re new to investing, getting a better understanding of yourself as an investor is a great place to start.<br \/><br \/>You can take our free <a href=\"https:\/\/www.raymondjames.ca\/en_ca\/solutions\/2019%20calculators%20v2\/investor-profile-en\/index.html\">Investor Profile Quiz<\/a> which will help you gauge your appetite for risk. Please note that risk questionnaires aren\u2019t perfect and there are many elements that go into optimizing an investment portfolio. This tool should just be used as a starting point.<br \/><br \/>At the end of the day, we highly recommend working with an advisor when making any decisions around capital allocation. Industry experience and knowledge around financial products make a world of difference, and having someone by your side every step of the way brings a certain peace of mind. If you would like to chat with an advisor to see how we can help you along your financial planning journey, we would be more than happy to set up a call with one of our experienced advisors.<\/p>\n<p><a href=\"https:\/\/crossborderwealth.ca\/contact\/\">Get in Touch With LT Wealth<\/a><\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-5f2834c1 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5f2834c1\" data-element_type=\"section\" id=\"see-email\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t\t\t<div class=\"elementor-row\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-73d79b5c\" 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