Skip to main content

Finding the Right Investment: 7 Questions You Should Be Asking

Jeff Witz, CFP®
David Zemon
MEDIQUS Asset Advisors, Inc.
“Results.  One client at a time.” (sm)

While the current economic environment may seem different, there has historically been uncertainty in most, if not all, time periods.  The key to determining what to invest in should be based primarily on the needs, temperament, and available resources of each individual or family.  The best investment for one person is often far less suited for someone else.  Advice given in the media or from others unfamiliar with your particular situation often times adds to the confusion.  The process of choosing the most appropriate investment for your own specific situation can be made easier by carefully considering, and answering, the following questions:

  1. What are your investment goals? One way to look at this common question is to ask yourself, as an experienced CFD Trader would, “What do I want my money to do for me?”  For example, the investor who is a retiree might have a need for additional income to meet current living expenses.  Goals for working individuals may be longer term, such as saving for retirement, a child’s education, financing a major purchase, or the creation and maintenance of an emergency fund.
  2. How liquid does the investment need to be? The term “liquidity” refers to how quickly an investment can be turned into cash, without losing any of the invested dollars, or principal.  Investments designed to meet longer term goals such as retirement generally do not need to be as liquid as those earmarked as emergency funds. When considering the benefits of gold investment, it’s important to acknowledge the aspect of liquidity and its role in aligning investments with specific financial goals. Gold, known for its inherent value and worldwide recognition, offers a degree of liquidity that allows investors to convert their holdings into cash relatively quickly when needed. While gold may not provide the same level of immediate liquidity as cash or certain other investments, it offers a valuable hedge against inflation and market uncertainties. This makes it a compelling option for diversifying one’s portfolio and safeguarding against economic downturns. With the assistance of reputable gold dealers online, investors can access a wide range of gold investment options tailored to their liquidity requirements, enabling them to strike a balance between long-term wealth preservation and the need for accessible funds in times of unforeseen circumstances.
  3. What is your risk tolerance? Can you afford to risk losing a portion or all of your investment without it affecting how you live?  What would be the impact of a loss on your investment goals?  In general, risk is related to return:  the higher the risk, the higher the potential return; the lower the risk, the lower the potential return.
  4. What is the impact of income taxes? Income taxes can have a significant, negative impact on your investment results.  For example, many high income individuals invest in municipal bonds because the interest from such bonds is generally exempt from federal income tax, and in some instances the interest is also exempt from state income tax.  Qualified retirement plans, life insurance policies and annuity contracts are used to accumulate funds for retirement primarily because of their tax-advantaged nature.
  5. What is the economic outlook? Investors often reassess their investment mix with the best stock apps research archives in response to the state of the economy. During periods of high inflation, tangible assets like precious metals and real estate have typically provided attractive returns. Conversely, intangible assets like stocks and bonds have generally performed better during times of stable or declining inflation. However, it’s important to note that historical trends don’t always repeat themselves. Investing in real estate has been a dependable choice for many during high inflation periods, but it’s crucial to evaluate the local market before making any decisions. One area that’s seen a surge in popularity is real estate in Hialeah, a suburb of Miami. The location’s strategic positioning and rapid development make it an attractive investment option, with home prices steadily increasing. Investing in Hialeah’s real estate could be a profitable choice for those seeking to diversify their investment portfolio in times of high inflation.
  6. Is the skill and knowledge needed to manage the investment available? An investor may not have the specialized skills and knowledge needed to properly select or manage an investment.  In such instances professional investment advice, or investments where such advice is available, should be considered.
  7. How much money is available for investment? The investment tools open to an investor can vary, depending on the amount of money available.  For example, direct investment in the stock market or into altcoins in the recent Bitcoin era can require a relatively large investment in order to provide needed diversification among a large number of stocks.  Many mutual funds and exchange traded funds (ETFs), however, provide diversification without the need for a large initial

These questions are simply the starting point in developing an investment plan.  By focusing on your own specific needs, goals and objectives, you can establish and maintain an efficient investment plan, even in periods of economic uncertainty.

Jeff Witz, CFP® and David Zemon welcome readers’ questions.  They can be reached at 800-883-8555 or at or

200 North LaSalle Street – Suite 1650 – Chicago, Illinois 60601
312-419-3733 – Toll Free 800-883-8555 – Fax 312-332-4908 –
Securities offered through and Registered Representatives of Ausdal Financial Partners, Inc.  Member FINRA/SIPC
220 North Main Street, Suite 400, Davenport, IA 52801 563-326-2064
MEDIQUS Asset Advisors and Ausdal Financial Partners, Inc. are independently owned and operated.

The information contained in this report is for informational purposes only. Any calculations have been made using techniques we consider reliable but are not guaranteed. Please contact your tax advisor to review this information and to consult with them regarding any questions you may have with respect to this communication.

AMWA Admin

The American Medical Women's Association is an organization which functions at the local, national, and international level to advance women in medicine and improve women's health. We achieve this by providing and developing leadership, advocacy, education, expertise, mentoring, and strategic alliances.

Close Menu