It’s an exciting time for the markets. We are at a low for 2008 and many think this market downturn is here to stay, myself included. The current economic conditions are more than simply a credit crunch in the financial system, it is a low-growth, inflationary, deflationary environment that will get worse before it gets better. Let’s take a look at why the Dow is likely headed lower.

How do you plan to make money during bear markets? I have been writing recently about how the near term future has numerous head winds which should be damaging to equity prices. It seems the market has been agreeing with me over the last weeks. What are you doing to beat the market and make money when the market is getting slaughtered?

At 20s Money, my goal is not to prove to you how good of an investor I am. There are better investors out there. My goal is to be transparent about my own investment decisions and help you learn from my successes and mistakes. With that said, it is time to reveal my complete portfolio to you. You can see my positions and the weight of each one in my overall portfolio.

I received such a great response regarding my previous post on analyzing my Apple (AAPL) trades, that I decided to write a similar post. This post, however, is on a much differently behaving stock(s) when compared to Apple. Apple is a very volatile stock compared to the relatively calm stock movements of Altria (MO) and Philip Morris (PM).
If you aren’t sure why I’m referring to two stocks, Altria recently spun off Philip Morris International. Therefore, most of my trades were for Altria (MO). Owners of Altria …

With the financial sector taking a plunge over the last six months, I figured it was a decent time to pick up a financial. After all, I didn’t own a bank in my portfolio, so it seemed to make sense. Wells Fargo seemed to be a bank that had minimal sub-prime exposure, so that was my choice. I bought a small position in Wells Fargo (WFC). Today, not too long after I bought my position, I decided to sell.

Philip Morris International (PM) is finally free from its parent, Altria (MO). The spin-off is complete and the new PM is off and running. This is one of my three favorite stocks (if you can guess my other two based on previous posts, you win a prize). Let’s take a further look at the company and the stock.

In my previous post, The 20s Money Retirement Plan, we talked about the goal of having a portfolio that pays $260,000 a year in dividends during retirement. 35 years from now, $260,000 a year would be the estimated equivalent of $100,000 a year today (due to inflation).
Today, I want to look at some possible scenarios that would let the average investor reach that goal in 35 years. Are you ready to take the 35 Year Challenge? If so, read on.

While this website has been online for only a short period of time, it is time to make a couple statements regarding the purpose of 20s Money. We are not a website dedicated to just opinions on stocks (there are plenty of those out there, and most can do it better than us) and neither are we experts on remortgages. We are a website dedicated to helping people in their 20s become the investor they need to be to achieve their financial goals.
With that said, it is time …