When Is The Right Time To Invest

1. If you don't begin investing now, when will you?
2. Do you know what the future will hold for stocks?
3. What will you do if the stock market rises another 20% before you decide?
4. Are you seeking to invest for a more secure financial future, or simply to try making some quick cash?
5. How much do you have saved right now?
6. Does your current income pay all your expenses and enable you to save at least 10% each pay period?
7. Do you have a plan?

It is my opinion that the best time to begin investing is right now. We all want the best prices on the stocks we select, but we never can know what that will be or when. In the meantime, if you do have investable cash, it is doing nothing for you while it waits for you to decide what to do. Before any investor can begin, all they need to know is where they are now financially, and where they WANT to be financially in the future.

The Team Alpha Portfolios Are Designed To Help Your Future

Even though our 3 portfolios have been in existence for various periods of time, including The Young And Restless Portfolio, the individual share prices of any given stock is relatively meaningless since the portfolios are actively managed.

Think for a moment about mutual funds. Folks are pouring money in, and taking money out, all the time, yet the funds always seem to have many billions of dollars invested in them on any given day, for any given time period. The reason is that when an investor decides on a game plan, it dictates the actions taken, not the net asset value of the fund on any given day.

An investor who asks me when I think it is best to invest will always get the same opinion; when YOU decide, then that is the best time.

We have 3 portfolios that we have designed for different risk levels:

More conservative with the Team Alpha Retirement Portfolio.

Modest mix of conservative and aggressive with the Team Alpha Growth And Income Portfolio.

Very aggressive with the Young And Restless Portfolio.

Before we even look at the current prices, determine for yourself, what level of risk you truly can handle. To me that means can you sleep at night without worrying about your investments. Once you come to an honest conclusion, and only you can do that, then you can decide which portfolio comes close to your own personal risk level for investing.

Now You Can Look At The Prices

Now that you have a plan and have checked out the stocks, you can begin entering positions. The way we have done it personally is to break up the amount you have to invest into 1/4 size purchases and spread them over the stocks you select to begin with.

We like the core stocks to be the best of the best to start with, so depending on what you like here is an example:

• AAPL
• XOM
• JNJ
• GE
• T

By beginning with these, you can build your portfolio with great companies no matter what the share prices are. Then, buy the next 1/4 when the prices dip, and so forth until you are completed...then work on rounding out the portfolio.

Of course you can copy the stocks in any of these portfolios and do what you feel comfortable with, but price is only important TWICE, when you buy and when you sell....so if you want a stream of dividends for life, and will just rebalance when required, price is way down on the list of priorities when just starting out.

Until Next Time!

This article was presented by a well known Seeking Alpha contributor Regarded Solutions. Regarded Solutions offers a subscription based e-mail service for investors who seek an education on portfolio management as well as watching 3 unique portfolios develop. The cost of a subscription for 2014 is only $75.00 for the whole year. These exclusive emails will not be found published on any website, they will be delivered directly to your email inbox, just for you.

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