This is the phase when you can take maximum risks with your investments as you have no dependents or, for that matter, even other financial responsibilities.
Needs: Your immediate and short-term needs are probably to find a partner and get married. That would come with its share of financial decisions, such as expenses to run a home and maybe a dependent spouse if your spouse is not working.
In the medium term, you plan to buy your own home by taking a loan and that would mean saving up for a down payment.
Your longer-term goals could be to provide your children with a good education and also plan out your funds your own retirement.
Choice of investments
Short term (less than 5 years): In the short term, you need to invest in instruments that provide liquidity and carry low risk.Investing in equities is not a good option for the short term since returns in equities are highly volatile and you run the risk of losing your money. Instead, for the short term, liquid mutual funds, bank fixed deposits and short term bonds prove a good option for you. Medium term (5-10 years): In the medium term, you may not require liquidity, but at the same time, you cannot take big risks either. Hence, you can look at debt instruments that offer a slightly higher lock-in and hence, offer higher returns too. For instance, National Savings Certificate (NSC), Kisan Vikas Patra (KVP), RBI bonds - all make for good investments as they provide returns of 8 per cent and have a lock-in of 6-8 years. You may also look at debt or even balanced mutual funds. Long-term (more than 10 years): Your long term needs are at least 10 years away. That gives you the chance to benefit from equities, which, although risky in the short term, are known to provide great returns in the long term. So equity mutual funds would be a good option to consider here. In addition to these investments, you must also invest in insurance to cover your car loan liability. Buying insurance when you are young will give you the benefit of lower premiums. Hence, consider buying a substantial term insurance cover that will serve your needs for the medium term. You can always consider increasing the cover later on.
Top Stock Picks 2015: Cancer Genetics Inc (CGIX)
Cancer Genetics, Inc. (CGI), incorporated on April 8, 1999, is an early-stage, diagnostic company. The Company focuses on developing and commercializing genomic tests and services to improve the diagnosis, prognosis and response to treatment (theranosis) of cancer. These cancers include hematological, urogenital and human papillomavirus (HPV)-associated cancers. It provides its tests and services to oncologists and pathologists at hospitals, cancer centers, and physician offices. In January 2012, the Company received CLIA approval for MatBA-SLL, its microarray for risk stratification in small lymphocytic lymphoma (SLL). In February 2013, the Company received CLIA approval for MatBA-DLBCL, its microarray for diagnosis, prognosis and patient monitoring in diffuse large B cell lymphoma (DLBCL). In addition, the Company is developing a series of other genomic tests in its core oncology markets. The Company develops and produces two types of deoxyribonucleic acid (DNA)-based genomic tests: microarrays and probes.
The Company is in the final stages of validating MatBATM-SLL for risk stratification in small lymphocytic lymphoma (SLL), a subset of CLL that presents as a mass, with Memorial Sloan-Kettering Cancer Center and Long Island Jewish / North Shore Hospital. The Company is also internally clinically validating the MatBATM microarray in a variety of additional lymphoma subtypes, including mantle-cell lymphoma (MCL), follicular lymphoma (FL), and diffuses large B cell lymphoma (DLBCL). Its MatBATM array has been designed to measure genetic markers at 80 specific genomic sites where genetic alterations are associated with mature B cell neoplasms.
CGI is also developing microarray tests for the diagnosis, prognosis and theranosis of a range of urogenital cancers. These include the UroGenRA microarray for kidney, prostate and bladder cancers and the UGenRA microarray for endometrial (lining of the uterus), ovarian and cervical cancers. UroGenRA detects genomic changes in over 100 r! egions of the human genome with potential diagnostic and/or prognostic value in one or more of these types of cancer. It has initiated clinical validation for UroGenRA targeting kidney and prostate cancers in collaboration with Memorial Sloan-Kettering Cancer Center. Its UGenRA microarray has been designed as a platform to detect genomic changes occurring in 83 regions of the human genome that have been linked to endometrial, ovarian and cervical cancers In addition, it develop and manufacture a portfolio of fluorescence in situ hybridization (FISH) based DNA probes focused on blood-based and solid cancers that it sell outside the United States. The Company laboratory services include: Oncology Testing Services, which are based on its microarray tests and are available only in its clinical laboratory; Esoteric Oncology Testing Services, which it offers a suite of esoteric oncology testing services for hematological, urogenital and HPV-associated cancers, and Clinical Trial Services, which also utilize its clinical laboratory to provide clinical trial services to biopharmaceutical companies and clinical research organizations.
Hematological Cancer Arrays: MatBA-CLL/SLL, Other Mat-BA and LeukA
MatBA is an oligonucleotide-based microarray the Company developed for the analysis of genomic alterations in mature B-cell neoplasms to determine prognosis and theranosis. MatBA incorporates a common architecture of specific genomic regions that can be applied across the seven major mature B-cell neoplasms. As a group, hematologic cancers (cancers of the blood, bone marrow or lymph nodes) display clinical, pathologic and genetic complexity. Importantly, the clinical course of the six main subtypes of these neoplasms ranges from indolent (follicular lymphoma) to aggressive (diffuse large B-cell lymphoma, mantle cell lymphoma and multiple myeloma), or mixed (chronic lymphocytic leukemia/small lymphocytic lymphoma, or CLL/SLL).
MatBA is designed to detect genomic copy number chan! ges in ma! ture B-cell neoplasms. The test relies on the comparative genomic hybridization of fluorescently differentially-labeled normal DNA and DNA extracted from the cancer specimen (array-CGH). Array-CGH utilizes minimal biopsy material and uses DNA as the analyte (the component whose properties are being measured). MatBA was custom-designed to represent 80 regions of the human genome which have diagnostic and/or prognostic value in one or more of the mature B-cell neoplasm subtypes as identified through our research and analysis efforts. Unlike other technologies such as FISH, array-CGH using MatBA simultaneously permits the detection of genomic gains and losses at multiple locations on a chromosome (loci) that characterize the mature B-cell neoplasm subtypes. For each subtype of B-cell neoplasm, cohorts of specimens with full clinical annotation are evaluated using MatBA to identify associations between single and weighted combinations of genomic gains/losses and clinically relevant endpoints.
The Company offers the application of MatBA for prognostication in one subtype of mature B-cell neoplasm, CLL, where about half of patients experience indolent disease, or slow progression, and the remaining half, a relatively aggressive progression. MatBA-CLL provides genetic-based information to guide clinical management of this disease. In January 2012, MatBA-SLL was approved under CLIA and accordingly may now be offered as an LDT by its laboratory. In January 2013, this assay received approval by CLIA and New-York State for clinical use, and accordingly may now be offered as an LDT by our reference laboratory.
During the year ended December 31, 2012, the Company had similar development of MatBA as a prognostic tool in two of the other main subtypes of mature B-cell lymphomas, namely DLBCL and FL. FL is characterized by a slow progression that in up to approximately 60% of cases transforms to DLBCL, an aggressive lymphoma. Prognostic and theranostic biomarkers of therapeutic options are req! uired for! these diseases.
Urogenital cancer arrays: UroGenRA, UGenRA
The UroGenRA microarray provides diagnostic and prognostic analysis for kidney, bladder and prostate cancer. Its initial launch, UroGenRA-Kidney targets kidney cancer. It also develops extensions of UroGenRA for bladder and prostate cancers. UGenRA provide diagnostic, prognostic and theranostic information for the primary gynecological cancers, cervical, ovarian and endometrial. UroGenRA is a CGH-based array which serves as a platform for the diagnosis, prognosis and theranosis of kidney, prostate and bladder cancers. It represents 101 regions of the human genome potentially with diagnostic, prognostic and/or theranostic value in one or more of these types of cancers. UroGenRA-Kidney For kidney cancer, UroGenRA is specifically designed to classify renal tumors into the four main subtypes (clear cell, papillary, chromophobe and oncocytoma), which is critical to patient management and treatment protocols.
UroGenRA-Prostate for prostate cancer, UroGenRA use prostate core/needle biopsy to assess genomic variability of the cancer and help in the identification of biomarkers for assessment of the risk of recurrence, to assess treatment options for intermediate risk patients, and to explore the genomic aberrations of circulating tumor cells. UroGenRA-Prostate is in the commercial development stage. UroGenRA-Bladder is a diagnosed bladder cancers are defined by the fact or extent of invasion of the muscle. UroGenRA-Bladder is in the clinical development stage.
UGenRA for Endometrial, Ovarian and Cervical Cancers
UGenRA is designed as a platform to detect gains and losses of genomic material in 83 regions of the chromosome associated with responses to particular therapies in patients with endometrial, ovarian and cervical. UGenRA-Endometrial Endometrial cancer is common cancer in women in the United States. In this disease, endometrial hyperplasia is a precursor lesion of endometr! ioid endo! metrial carcinoma (EEC). UGenRA Endometrial is in the clinical development stage.
UGenRA-Ovarian is cases of ovarian cancer. UGenRA Ovarian is in the clinical development stage. As of December 31, 2012, UGenRA-Cervical was approximately 11,270 cases of cervical cancer diagnosed and approximately 4,290 deaths from cervical cancer in the United States. UGenRA Cervical is in the clinical development stage.
Advisors' Opinion:- [By John Udovich]
Cancer has been one of the hotter segments of the sizzling biotech sector this year with small cap cancer stocks�Genetics Inc (NASDAQ: CGIX), GTx, Inc (NASDAQ: GTXI) and MetaStat Inc (OTCMKTS: MTST) being among those involved in cancer research or treatment producing noteworthy news for investors to digest. Just consider the following:
- [By RedChip]
In an amended S-1 filed with the SEC this morning, Cancer Genetics, Inc. (NASDAQ: CGIX) added two new firms to its offering syndicate and upped its capital raise 25% to $50 million. With the underwriters��overallotment, the total raise is now forecasted to reach as much as $57.5 million.
- [By RedChip]
Cancer Genetics (NASDAQ: CGIX), an emerging leader in DNA-based cancer diagnostics, priced a $15 million secondary offering and began trading on the NASDAQ today.
The offering will bring in a sizable cash infusion to CGIX, setting the stage for continued expansion of the Company�� sales and marketing efforts, as well as further product development and commercialization. In addition, it will enable the Company to fund its joint venture investment with Mayo Clinic and retire mezzanine financing.
Top Long Term Stocks To Buy For 2014: LSI Logic Corporation (LSI)
LSI Corporation designs, develops, and markets storage and networking semiconductors worldwide. It offers integrated circuits for hard disk and tape drive solutions, which are used to store and retrieve data in personal computers, corporate network servers, archive/back-up devices, and consumer electronics products. The company�s storage electronics products include systems-on-a-chip, read channels, pre-amplifiers, serial physical interfaces, and hard disk controllers, as well as custom firmware required to read, write, and protect data. It also offers pre-amplifiers, which are used to amplify the initial signal to and from the drive disk heads; and solutions that transmit data between a host computer and storage peripheral devices. In addition, the company provides custom and standard networking solutions that include chips, such as network processors, digital signal processors, content-inspection processors, traffic shaping devices, and physical layer devices, as well a s software, evaluation systems, and reference designs for office, home office, and small-to-medium business applications; flash storage processors; server storage semiconductor products, and server RAID adapters and software; and high-speed interface intellectual property that combine with customers� intellectual property to provide a connection to the SAN, memory systems, and host buses. Further, it offers networking solutions include communication processors, network processors, media processors, content-inspection processors, and physical layer devices, as well as software tools and segment specific applications, evaluation systems, and reference designs. The company was formerly known as LSI Logic Corporation and changed its name to LSI Corporation in April 2007. The company was founded in 1980 and is headquartered in Milpitas, California.
Advisors' Opinion:- [By Patricio Kehoe]
Finally, I always like to see one of the most important financial ratios applying to stockholders, the best measure of performance for a firm's management: the return on equity. With a ROE of -7.19% is below the industry mean of 5.06%. Other more attractive option in terms of this ratio is LSI Corporation (LSI) with a ROE of 8.68%.
- [By Lisa Levin]
LSI (NASDAQ: LSI) shares gained 0.36% to reach a new 52-week high of $11.13. LSI's PEG ratio is 0.87.
Halliburton Company (NYSE: HAL) shares touched a new 52-week high of $63.43 after the company posted a profit in the first quarter.
- [By ICRAOnline]
Revenue for the last quarter stood at $73.4 million, up 27.9% from the year-ago quarter. This was primarily driven by the growth in memory technology licensing, coupled with impressive performance of its security technology licensing business. During the quarter, Rambus also signed new licensing agreements with tech giant Samsung Electronics, Micron Technology (MU), STMicroelectronics (STM), LSI Semiconductor (LSI) and SK Hynix. However, the company�� LED lighting business failed to make any significant contribution.
- [By Rich Smith]
It might not be obvious to the casual observer, but right now, today, LSI (NASDAQ: LSI ) stock offers one of the best values available in the semiconductor industry. Why?
Top Long Term Stocks To Buy For 2014: Makism 3D Corp (MDDD)
Makism 3D Corp., incorporated on May 4 2010, is a three dimensional (3D) printer manufacturing company. The Company produces consumer and professional grade 3D printers. The Company�� flagship product, branded as the Wideboy family of printers, offers packaging designed to fit any office or professional space.
Its 3D printers utilize British and German engineered components. Its printers are assembled in Cambridge (United Kingdom).
Advisors' Opinion:- [By John Udovich]
Although the subject of a recent market correction,�3D printing and 3D printer stocks like�3D Systems Corporation (NYSE: DDD), Stratasys, Ltd. (NASDAQ: SSYS), ExOne Co (NASDAQ: XONE)�and Makism 3D Corp. (OTCBB: MDDD) largely remain hot, but what strategy should investors and/or traders alike take moving forward? Just consider the following latest news about the 3D printing industry or�3D printer stocks:
- [By James E. Brumley]
All well and good, but for veteran traders, there's something uneasy about the recent swelling of interest in these names... there's too much hype, and not enough substance. Enter another small cap name in the 3D printing race - Makism 3D Corp. (OTCBB:MDDD). It's not throwing any parties for itself, and it's not congratulating itself for achievements that may be a solution to a problem that doesn't actually exist. MDDD is simply on the verge of making a high-quality 3D printer at a very practical price that will appeal to individual consumers as well as businesses.
Top Long Term Stocks To Buy For 2014: Airgas Inc.(ARG)
Airgas, Inc., through its subsidiaries, distributes industrial, medical, and specialty gases, as well as hardgoods in the United States. The company offers various gases, including nitrogen, oxygen, argon, helium, and hydrogen; welding and fuel gases, such as acetylene, propylene, and propane; and carbon dioxide, nitrous oxide, ultra high purity grades, special application blends, and process chemicals. Its hardgoods products comprise welding consumables and equipment, safety products, and construction supplies, as well as maintenance, repair, and operating supplies. The company also engages in the rental of gas cylinders, cryogenic liquid containers, bulk storage tanks, tube trailers, and welding and welding related equipment. In addition, the company manufactures and distributes liquid carbon dioxide, dry ice, nitrous oxide, ammonia, refrigerant gases, and atmospheric merchant gases. It serves repair and maintenance, industrial manufacturing, energy and infrastructure co nstruction, medical, petrochemical, food and beverage, retail and wholesale, analytical, utilities, and transportation industries. The company operates an integrated network of approximately 1100 locations, including branches, retail stores, packaged gas fill plants, specialty gas labs, production facilities, and distribution centers. Additionally, it provides retail solutions to retail customers, such as florists, grocers, restaurants and bars, tire and automotive service centers, and others. The company markets its products through multiple sales channels, including branch-based sales representatives, retail stores, strategic customer account programs, telesales, catalogs, e-business, and independent distributors. Airgas, Inc. was founded in 1982 and is based in Radnor, Pennsylvania.
Advisors' Opinion:- [By Ben Levisohn]
The one problem: Air Products & Chemicals valuation. “[Air Products & Chemicals] has generally been at a discount to [Praxair] in the last five years due to its mix and more volatile performance, but closed the gap last year on activist involvement and potential restructuring,” Yang and Amadeo note.�Air Products & Chemicals trades at 21 times 2015 earnings, in line with Airgas’s (ARG) P/E ratio of 21.5 but well above Praxair’s 18.5 times.
- [By Monica Gerson]
Airgas (NYSE: ARG) is expected to report its Q2 earnings at $1.22 per share on revenue of $1.28 billion.
The Boeing Company (NYSE: BA) is estimated to report its Q3 earnings at $1.55 per share on revenue of $21.68 billion.
Top Long Term Stocks To Buy For 2014: Ryder System Inc.(R)
Ryder System, Inc. provides transportation and supply chain management solutions. It operates in three segments: Fleet Management Solutions (FMS), Supply Chain Solutions (SCS), and Dedicated Contract Carriage (DCC). The FMS segment offers leasing, contract maintenance, contract-related maintenance, and commercial rental of trucks, tractors, and trailers primarily in the United States, Canada, and the United Kingdom. It also offers fleet support services, such as fuel, insurance, safety, administration, environmental management, and information technology services. In addition, this segment sells its used vehicles through 55 company owned retail sales centers, as well as through its Web site, Usedtrucks.Ryder.com. Its customers include small businesses and enterprises operating in transportation, grocery, lumber and wood products, food service, and home furnishings industries. The SCS segment provides supply chain consulting solutions in North America and Asia. It offers di stribution management, transportation management, and professional services, as well as various support services, such as information technology and engineering solutions. This segment primarily serves automotive, electronics, high-tech, telecommunications, industrial, consumer goods, consumer packaged goods, paper and paper products, office equipment, food and beverage, and general retail industries. The DCC segment offers vehicles and drivers as part of a transportation solution in the United States. It combines the equipment, maintenance, and administrative services of a service lease with drivers and additional services, such as routing and scheduling, fleet sizing, safety, regulatory compliance, risk management, technology and communication systems support, and other technical support. This segment serves energy and utility, metals and mining, retail, construction, healthcare products, and food and beverage industries. The company was founded in 1933 and is based in Mia mi, Florida.
Advisors' Opinion:- [By jaggom]
The ASF (R) 165 will also be available for its new customers, targeting the LED and industrial markets. The production is in progress in the Arizona plant in the U.S. with a production furnace capable of producing high-quality 165 kilogram boules in high volume. The ASF 165 will definitely give its customers a competitive advantage and lower cost of ownership, by providing a sapphire furnace that will significantly increase capacity and reduce costs as it provides 40% increase in Boule size compared to the current ASF 115. In addition, the company is anticipating strong demand for this product category in the coming months.
Top Long Term Stocks To Buy For 2014: Hauppauge Digital Inc.(HAUP)
Hauppauge Digital Inc. engages in the design, development, manufacture, and marketing of analog and digital TV tuner products for the personal computer (PC) market in the Americas, Europe, and Asia. It offers video recorder products, such as USB-Live2, a standard definition video recorder used to record video tapes and other types of video into a PC; HD PVR, a high-definition video recorder for making real-time H.264 compressed video recordings at resolutions up to 1080i, and to record old home video tapes into an AVCHD format; and Colossus to record high definition video from a cable TV or satellite set top box, or an Xbox 360 or Sony playstation 3 game console. The company also provides TV receivers, including Broadway that connects to a TV signal and then transmits that TV signal through a Wi-Fi network or the Internet; analog TV tuners to enable a PC user to watch analog cable TV in a resizable window; digital TV receivers and hybrid analog/digital TV receivers, which allow a PC user to watch digital television in a resizable window on a PC or laptop screen; and PCTV TV tuner products that allow users to view television programming on their computers. In addition, it offers non-TV tuner products comprising WinTV application, a PC-based TV watching, pause, and recoding application; WinTV Extend software product, a PC-based Internet video server that streams live TV or other video content to remote devices; Impact video capture board for PC-based video conferencing and video capture in industrial applications; MediaMVP-HD, a Linux-based digital media device that links TV sets and PCs; and MediaMVP to watch and listen to PC-based videos, music, and pictures on a TV set through a home network, as well as provides an on-TV-screen display of media directory listings. The company sells its products through retailers, PC manufacturers, and distributors. Hauppauge Digital Inc. was founded in 1994 and is headquartered in Hauppauge, New York.
Advisors' Opinion:- [By Monica Gerson]
Hauppauge Digital (NASDAQ: HAUP) shares fell 8.70% to touch a new 52-week low of $0.42. Hauppauge Digital shares have dropped 61.02% over the past 52 weeks, while the S&P 500 index has gained 18.17% in the same period.
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