Wealth Management - Portfolio Investing Knowledge At: Fruital Investment Group

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What You Need to Make Informed Decisions About your finances.
Wealth Management Resources, Knowledge And Meaningful Information At: Fruital Investment Group -
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Whether you are in your early earning years, high earning years, preparing for retirement, or in retirement you still need to continue working on your finance. Fruital Investment group can help establish a plan and stay on track.
Usually, Wealth Management is the affair of: custodial banks, retail banks, financial planners and others .---; Private wealth management is delivered to high-net-worth investors.
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Whether you are looking for something just for yourself or looking to provide retirement benefits to others, or leave a legacy for your family. You can find the resourceful information at: Fruital Investment Group And Wealth Management.
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FINANCIAL EXPERTS SAID: There are three general stages that most people fall into when planning for retirement. these stages are early earning years, higher earning years, and retirement. Each stage can be equally important to the overall plan for each person,.even if there is no one size fits all.
With an increase in the number of affluent investors in recent years, there has been an increasing demand for sophisticated financial solutions and expertise throughout the world. 
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Dayana from: Fruital Investment Group And Wealth Management says, each individual is unique, so do their goals, objective, time orison. been our mission from the start - Financial education at Fruital Investment Group And Wealth management.Wealth Management Resources, Knowledge And Meaningful Information At: Fruital Investment Group -
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Wealth management is an investment-advisory discipline which incorporates financial planning, investment portfolio management and a number of aggregated financial services offered by a complex mix of asset managers, custodial banks, retail banks, financial planners and others .
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FRUITAL INVESTMENT GROUP  is dedicated to providing investors, business people useful and pertinent information on a myriad of topics. Fruital Investment Group And Wealth Management -

Questions Who Really Need Answers!

 Do you have the time to adequately conduct the necessary research and analysis to make your many financial decisions? 

It’s been our mission from the start - Financial education at Fruital Investment Group And Wealth management.
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  Do you have the experience and financial education needed to feel confident in those decisions?

 Do you have the tools and technology necessary to increase the speed of the decision-making process and validate the accuracy of the decisions made? 

Fruital Investment Group And Wealth Management  was established with the purpose to advise, to educate individual investors,

 wealth creators and high net worth person or families through the continually confusing labyrinth of financial decisions for a better tomorrow financially speaking....

 We are equally driven in our passion to deliver elite wealth planning and investment  education and sufficient knowledge to navigate the ocean of finance.

If an individual or a family decide  to go with a financial professional,  we suggest people  to abide by the fiduciary standard, striving to always do what is in their best interest . Find financial firms who promise and will respect the promise of confidentiality and non-disclosure of any and all personal information.  

Be care about your financial success and as you know how hard it is to acquire wealth, so it must be protected. Always talk to legal advisors about the best way to structure your business. Ohhh yes, investment is a business, investors should understand that and take it very serious.

No one should have to do it for you, unfortunately, that's the case for many people. -------- 

You can find the resourceful information at:
Fruital Investment Group And Wealth Management.

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Private wealth management is delivered to high-net-worth investors. Generally this includes advice on the use of various estate planning vehicles, business-succession or stock-option planning, and the occasional use of hedging derivatives for large blocks of stock.Traditionally, the wealthiest retail clients of investment firms demanded a greater level of service, product offering and sales personnel than that received by average clients.
With an increase in the number of affluent investors in recent years, there has been an increasing demand for sophisticated financial solutions and expertise throughout the world.Wealth Management : FRUITAL INVESTMENT GROUP
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Understanding Wealth Management Wealth management is more than just investment advice, as it can encompass all parts of a person's financial life.
The idea is that rather than trying to integrate pieces of advice and various products from a series of professionals, high net worth individuals benefit from a holistic approach in which a single manager coordinates all the services needed to manage their money and plan for their own or their family's current and future needs
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Portfolio investment:Portfolio investments are investments in the form of a group (portfolio) of assets, including transactions in equity, securities, such as common stock, and debt securities, such as banknotes, bonds, and debentures.

Portfolio investments are passive investments, as they do not entail active management or control of the issuing company. They are categorized in two major parts: foreign institutional investment and investments by non-residents.

According to the Institute of International Finances, portfolio flows arise through the transfer of ownership of securities from one country to another.Portfolio investment covers a range of securities, such as stocks and bonds, as well as other types of investment vehicles. A diversified portfolio helps spread the risk of possible loss because of below-expectations performance of one or a few of them.
 Portfolio Management And Investment Knowledge:
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High-net-worth individual:Certain types of investments are not for regular small pockets investors - High-net-worth individual (HNWI) is a term used by some segments of the financial services industry to designate persons whose investible assets (such as stocks and bonds) exceed a given amount.

Typically, these individuals are defined as holding financial assets (excluding their primary residence) with a value greater than US$1 million.
However, there are distinct classifications of HNWI and the exact dividing lines depend on how a bank wishes to segment its market. For example, an investor with less than US$1 million but more than US$100,000 is considered to be affluen or perhaps even sub-HNWI Very-HNWI" (VHNWI) can refer to someone with a net worth of at least US$5 million.
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The U.S. Securities and Exchange Commission requires all SEC-registered investment advisers to periodically file a report known as Form ADV.  Among other things, Form ADV requires each investment adviser to state how many of their clients are "high-net-worth individuals&quot.
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Accredited Investor: An accredited or sophisticated investor is an investor with a special status under financial regulation laws. The definition of an accredited investor (if any), and the consequences of being classified as such, vary between countries.

What is an Accredited Investor An accredited investor is a person or a business entity who is allowed to deal in securities that may not be registered with financial authorities. They are entitled to such privileged access if they satisfy one (or more) requirements regarding income, net worth, asset size, governance status or professional experience.
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In the U.S., the term is used by the Securities and Exchange Commission (SEC) under Regulation D to refer to investors who are financially sophisticated and have a reduced need for the protection provided by regulatory disclosure filings. Accredited investors include natural high net worth individuals (HNWI), banks, insurance companies, brokers and trusts.
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In the United States, to be considered an accredited investor, one must have a net worth of at least $1,000,000, excluding the value of one's primary residence, or have income at least $200,000 each year for the last two years (or $300,000 combined income if married) and have the expectation to make the same amount this year.
The term "accredited investor" is defined in Rule 501 of Regulation D of the U.S. Securities and Exchange Commission (SEC) - KNOWLEDGEFINANCIALGROUP.BLOGSPOT.COM
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How to become an Accredited Investor? There is no formal agency or a process to secure the coveted status of an accredited investor.
No registration, form-filling or application is required, and no certificate is issued by any agency stating that one is now an accredited investor for this year. Instead, the onus on the sellers of such securities to take a number of different steps in order to verify the status of entities or individuals who wish to be treated as accredited investors.

Individuals or parties desirous of applying for accredited investor can approach the issuer of the unregistered securities, who may ask the applicant to respond to questionnaire to determine if the applicant qualifies as an accredited investor.
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 How To Be An Accredited Investor?
Requirements for Accredited Investors a bank, insurance company, registered investment company, business development company, or small business investment company;an employee benefit plan, within the meaning of the Employee Retirement Income Security Act,

if a bank, insurance company, or registered investment adviser makes the investment decisions, or if the plan has total assets in excess of $5 million;a charitable organization, corporation, or partnership with assets exceeding $5 million; a director, executive officer, or general partner of the company selling the securities;a business in which all the equity owners are accredited investors;

a natural person who has individual net worth, or joint net worth with the person's spouse, that exceeds $1 million at the time of the purchase, or has assets under management of $1 million or above, excluding the value of the individual's primary residence;a natural person with income exceeding $200,000 in each of the two most recent years or joint income with a spouse exceeding $300,000 for those years and a reasonable expectation of the same income level in the current year; or a trust with assets in excess of $5 million, not formed to acquire the securities offered, whose purchases a sophisticated person makes.
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Sophisticated investor" varies... FRUITAL INVESTMENT GROUP AND WEALTH MANAGEMENT -

Sophisticated Investor:

 What is a Sophisticated Investor?

A sophisticated investor is a classification of investor indicating someone who has sufficient capital, experience and net worth to engage in more advanced types of investment opportunities..
 Because of their net worth and their higher income bracket, a sophisticated investor becomes eligible for certain investment opportunities unavailable to other classes of investor, such as pre-IPO securities and, in some cases, hedge funds.

Generally speaking, sophisticated investors are seen as those who will not need to liquidate investment assets in the short term, and can even sustain a loss of their investment without damage to their overall net worth

• Sophisticated investors are investors who have a high net-worth and extensive experience in financial markets.
• There is no single correct definition of a sophisticated investor, and it varies based on country or circumstance.
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•  Understanding Sophisticated Investor

  A sophisticated investor is a high-net-worth investor who is considered to have a depth of experience and market knowledge that makes them eligible for certain benefits and opportunities. -- 
  While the term is sometimes used loosely to describe an investor who has demonstrated certain degrees of insight, acumen and success in the marketplace, there are specific legal definitions which determine what constitutes a sophisticated or accredited investor, and these definitions vary from country to country. -
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  Differences Between Accredited Investors & Sophisticated Investors - Accredited Investor

  This commonly used term is defined as an individual that has made $200,000 or more on an annual basis for the past two out of three years and is likely to make that same amount this year.  If it is a couple qualifying together that amount is raised to $300,000.  
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  Sophisticated Investors
  If you issue an offering under Rule 506 (b) you can accept investment dollars from non-accredited investors if they are Sophisticated Investors.  This is the only exception to the accreditation rule.  A sophisticated investor is defined as someone that has superior knowledge of business and financial matters. 
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  Non-Accredited Investor
  A non-accredited investor is simply everyone else.  These may be people that make a good living but are under the SEC’s income requirements. 
   Many start up companies will receive investor dollars from friends and family that are interested in supporting the individual owners, as much as the company itself.  
• If they do not meet the income requirements, they can qualify using a net worth of over $1 million excluding their primary residence. 
  
   If you issue an offering using Rule 504, Rule 505, or Rule 506 (b) the investor can “self-certify” that they are accredited.  If you issue a private offering using Rule 506 (c) they must be certified by the issuing company or qualified third party.
  
• These investors are often non-accredited but still want to participate.  Make sure that you review the specific guidelines under the rule you are using to raise capital before accepting funds from non-accredited investors.  Rule 506 (c) forbids it outright.  
  
  Rule 506 (b) says it is okay as long as they are sophisticated and you have no more than 35 of them investing in the round.
  
•  This definition leaves room for interpretation but it is important to define what that means to you and be able to back up your own personal definition.  For example, it could be a CFO, CPA, accountant, business owner, banker etc. 
  
  If they SEC were to ask why you thought this person was sophisticated you should be able to point to an internal set of standards so you can prove that caution was taken when making these decisions.
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• True sophistication entails a mixture of knowledge, understanding, and experience. ------------

• In Rule 506(b) of Regulation D, for example, private offerings are restricted to an unlimited number accredited investors and a limited number of non-accredited sophisticated investors, defined as those investors with sufficient knowledge and experience in financial and business matters to make them capable of evaluating the merits and risks of the prospective investment.
  
  
  Rule 501 of Regulation D indicates that for an individual to be an accredited investor, they must have a net worth of more than $1 million, excluding the value of their primary residence, or they must meet certain annual income benchmarks. Individuals who have made more than $200,000 per year for two years, and with an expectation of continuing to do so qualify as accredited investors. 
  
  Married persons can be considered accredited if their combined income is at least $300,000 per year.
  
  
  Under this rule, other entities may be considered accredited investors as well, including banks and insurance companies, as well as companies, charities, trusts, and employee benefit plans with assets in excess of $5 million.