• Home
  • Investing
  • Saving Money
  • Credit & Debt
  • Retirement
  • Real Estate
  • Small Business
  • Insurance

One Cent At A Time

Smarter money decisions, one cent at a time.

  • Email
  • Facebook
  • Pinterest
  • RSS
  • Twitter
  • Beautiful Life
  • Becoming Rich
  • Beginners Guide
  • Extra Income
  • Productivity
  • Saving Money

Risk Management Principles for Retail Investors

February 23, 2026 Leave a Comment

For retail investors in the United Kingdom, navigating financial markets can be both an exciting and challenging journey. The opportunities to grow personal wealth through investments such as equities, bonds, and exchange-traded funds have never been more accessible. However, the very accessibility that empowers everyday investors also exposes them to risks that require thoughtful attention and disciplined management. Understanding key principles of risk management is not simply a matter of safeguarding capital; it is foundational to long-term financial success.

Risk Management Principles for Retail Investors

This article explores essential risk management principles tailored to the needs of UK retail investors. By approaching investment decisions with clarity, structure, and humility, individual investors can build resilient portfolios that align with their goals and risk tolerance. 

Continue Reading...

Understanding Online Trading: Opportunities and Risks

March 25, 2025 Leave a Comment

Online trading has become a popular option for those looking to make quick profits while trading on the go. With just a smartphone or laptop, traders can access global financial markets and capitalize on price movements.

However, the potential for fast gains comes with risks. Markets can be highly volatile, and without the right tools and knowledge, losses can mount quickly.

Continue Reading...

5 Ways to Evaluate a Stock Before Investing

August 11, 2024 Leave a Comment

Stock investors encounter a significant challenge when deciding where to allocate their investments. Analyzing the vast pool of data related to publicly traded companies is crucial for assessing company quality and determining their compatibility with investment portfolios. However, this process can be quite demanding.

5 Ways to Evaluate a Stock Before Investing

When evaluating bonds, the primary focus is on credit quality. In contrast, when it comes to stocks, there is no single solution that fits all. Individual investors looking to invest in equities are confronted with a more complex endeavor: conducting personal due diligence or, if they seek advice, assessing recommendations provided by advisors. Establishing a straightforward set of criteria for assessing stocks can greatly alleviate the stress associated with this task.

Continue Reading...

With Stock-market volatility, is a Money Market investment right for you?

June 8, 2020 Leave a Comment

Have you noticed the irrationality in the stock market lately? 13% unemployment rate, negative GDP growth projections for the year, still the market has recovered all of the March/April losses! The famous saying goes “Markets can stay irrational longer than you can stay solvent”.

With Stock-market volatility, is a Money Market investment right for you?

With the volatility plaguing the stock market in this time of crisis you may be looking for safer harbors to invest your money.  If this is the case a money market account may be just the thing you are looking for.  This type of investment will give you added security at the time you need it most.

Continue Reading...

How to Control Stock Trading Impulses

May 21, 2020 21 Comments

Hope you haven’t frowned seeing the title. Many invest in stocks out of compulsion or impulses. This article is for those. I generally tend to write about people who are like me, middle class, having some money to enjoy life but, mostly trying hard to maximize money’s worth.

People like us, do not usually have money for buying stocks on impulse. Still, it almost happened to me last week. I was on the verge of buying into Facebook on an opening day.

In the end, I did resist buying Facebook stock. Not that Facebook is a bad investment but, the whole affair was nothing else than impulse buying. I didn’t study the valuation, I wasn’t reading analyst reports. I was just buying it, for the sake of it. Giving in to the hype and hoopla.

Continue Reading...

Dividend Investing For Dummies

April 25, 2019 3 Comments

When you have some leftover money after maxing out your 401k and IRA’s. You should look for alternate ways to invest and grow. Dividend investing is a powerful way to grow your wealth completely passively. in the longer term, historically, dividend stocks outperformed the real estate investments. Today we will discuss some of the basics of dividend investing

101 For Dividend Investing

When it comes to investing, everyone has their own strategy. Some are seeking big gains, others are looking for steady supplemental income. Every investing strategy has different risks and rewards. Those looking for a low-risk strategy should look no further than dividend investing. It is easy to understand, and simple to execute.

Continue Reading...

Stock Market Investing For Dummies

March 14, 2019 3 Comments

Have you ever come across someone who is not familiar with the stock market at all? I mean, not knowing it as a viable investment option. I met someone at work recently who knew all about CD and savings accounts, but not the stock market. He didn’t have a retirement savings plan and never bought a mutual fund or an index fund.

Stock Market Investing For Dummies

I am going to write about some very basic topics of stock investing, like what kind of market is a stock market and why it’s a very good investment option for the long term.

Continue Reading...

The Stock Market Made Easy

October 30, 2018 1 Comment

I am sure you’re anxiously seeing the stock indices volatility and gross downturn past few weeks. Is it abnormal? Naturally, stocks do vary. For example, there are dividend stocks or defensive stocks. A good beginning stock is dividend stocks which give buyers a long-term return. A defensive stock is a good beginning stock for a long-term investment like water, electrical, or utility stocks.

The Stock Market Made Easy

I am not panicking with the recent market downturn. Neither should be you. We need to understand how these markets work. The loss you are seeing now re all paper loss, you don’t make a loss till you sell your positions. I am holding tights on to my stocks and funds.

Continue Reading...

Why Dividend Stocks are the Best Stocks for an Investor?

October 2, 2015 Leave a Comment

A lot of investors find themselves encountering severe emotional shifts with the fluctuations that come with stock market investment. In addition, uncertainty may seriously surprise and hit you when suddenly prices drop while elation sets hearts racing with sprightliness when prices rise.

However, people who prefer to invest in long-term dividends stocks, won’t experience the same anxiety as stock prices fluctuate. I can perhaps count myself to be in this category. I haven’t sold any position in last month or so, since dow lost 1000 points in a day. In fact, I bought CocaCola and Johnson and Johnson stocks. They both have consistent dividend paying record over many years.

From the mindset of dividend investors, they are aware that the success of their financial investment is not hinged on the inconsistencies of the market itself, but rather on the long-range prosperity of the company. It’s a historical fact that the dividend, as well as the stock price, will sooner or later ascend, in the long run, resulting in considerable growth over a long period of time.

Continue Reading...

Visa and MasterCard: The Railroads of Money

June 22, 2015 2 Comments

This is a guest post from John Smith. He blogs about long term investment options. He talked about identifying moats of the economy to invest for long term, in his previous guest post. Enjoy another thought-provoking post!

Earlier, we discussed moats, and how to identify them. Throughout the article, I used Visa (NYSE:V) and MasterCard (NYSE:MA) as examples of moats. In this article, we will discuss why they are fit for a long-term investor, and find Visa and MasterCard’s moats (along with the moats of railroads).

Before examining the moats of the two companies, we must first understand their business. According to the Yahoo Finance business summary of Visa, “The company facilitates commerce through the transfer of value and information among financial institutions, merchants, consumers, businesses, and government entities.” (MasterCard’s description is practically the same).

Continue Reading...
Next Page »


Create your own blog in 20 minutes and $20

Personal Capital, a free tool to change your financial health today

CreditKarma, a free tool to check your credit scorey

I use Coinbase, for my crypto investments

101 Cents at a Time

101 Ways to Earn Extra Money on the Side
201 Frugal and Perfect Birthday Gifts
101 Ways to Save Money Everyday
101 Ways to be Better and Successful at Work
101 Ways to Save Environment and Energy
101 Frugal and Romantic Anniversary Ideas
101 Low-Cost Men's Fashion Ideas
101 Personal Finance Tips
101 Ways to Reuse Household Stuff
101 Things to Do, When Nothing to Do
101 College Graduation Gift Ideas
100 Tips for Ecommerce Startup
101 Ways to Enjoy Indoor During Winter
101 Ways to Beat Procrastination

Popular Posts

Quick Cash - How to make $100 legally, in a day
Living well on less than $15,000 a Year
Top survey sites for side income
What to do when auto repair goes wrong
Where should I invest my money now?
20 Ways to be productive and happy at work
51 Ways to get out of debt
Be a better person in 15 days, 15 ways
Income ideas for retirees and senior citizens
51 side jobs for college students
Urgently need a large amount of money?
Should I buy or should I rent?
Best Personal loan providers
25 Ways to save environment
25 DIY car repairs to save money
How to decorate office cubicle
How to show your wife you care
50 Financial Rules for Success
51 Frugal weekend family activity ideas
Become Rich By Saving 1 Hour Of Daily Wage
How much do I need to save for retirement?
How to negotiate your salary

Follow us on FaceBook

Advertisements

Personal Stories

How I got a new HP computer replaced
Was COVID circulating in USA in fall of 2019?
How my credit score went up 800+
Why I didn’t invest in Bitcoins
How I controlled impulses to buy things
Why this blog is named One Cent at a Time

Subscribe via Email

Site Disclaimer

Disclosure of Material Connection: Some of the links in this web site are “affiliate links.” This means if you click on the link and purchase the item, I will receive an affiliate commission. Regardless, I only recommend products or services I use personally and believe will add value to my readers. I am disclosing this in accordance with the Federal Trade Commission’s 16 CFR, Part 255: “Guides Concerning the Use of Endorsements and Testimonials in Advertising.”
Read full Affiliate disclosure


One Cent at a Time is published by SB. The opinions expressed herein by him are his own and not those of his employer or anyone else. All content on One Cent at a Time is for entertainment purposes only. By reading this blog, you agree that SB and/or One Cent at a Time is not responsible for any actions taken after reading this blog. For the full disclaimer, click here .

Major Media Mention

One Cent at a Time Media Appearances

Copyright © 2026 One Cent At A Time · Designed by Nuts and Bolts Media