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Professional Copywriting Services That Get Results
Working
with Carolyn has been an absolute joy. She not only wrote the three
most critical paragraphs for my web-site, but she was able to capture
the essence of what I wanted the very first time. And we love it!
Sharon Brennan, Owner wholehealthyliving.com
Some of our investing
product and service
offerings are not the
easiest to explain. Yet,
Carolyn has an uncanny
ability to zero-in on the
core benefits to potential
investor clients and present
them in a simple and non-
intimidating way.
Stan Craig,
Chief Marketing Officer
FOLIOfn, Vienna, VA
She is so confident in her work that she will
tweak or even re-write a letter, until it's pulling the kind of
response that we establish it needs to pull. Pretty extraordinary.
George Massey, Mortgage Broker,
New York
Carolyn wrote some "killer" sales letters for me, which continue to increase
my business.
I'd recommend her to anyone who needs to increase their business --
whatever it is!
Mike Smurda, Owner, Guardian Home Services, Reston, VA
Great work. Incredible person to work with and
so creative. And she has an impeccable work ethic in a world that's not
always like that. She's just the best.
Joe Donahue, CEO, Connectible Color Tubes, LLC (Toobeez)
project-connect.net
Before receiving the letter, I thought I would have to edit your
copy at least a few times. But because of your research
and preparation and getting into my mind to the way I was thinking, you
nailed this on the first go.
Yours thankfully,
Michael Ricketts, Australia
I'm still using the Chili Pepper campaign to this day - 12 years later! It continues to open doors, thanks to Carolyn.
If you get a chance to work with her, grab it! And consider yourself very lucky, indeed.
David Rowley, Owner, RPM Advertising,
San Rafael, CA
Carolyn has such a gift for writing for the
occasion. She is inspiring, positive and hugely fun to work with. She
writes in a way that makes the reader feel that she really knows and
understands them.
Gary Krane, Ph.D. - Berkeley, CA - CEO/Founder LoveEnsure™
Author: Simple Fun For Busy People
(Conari Press)
I can always count on Carolyn to turn a project
around FAST! And when it's done, I can count on it being done right the
first time. If there are re-writes, it's because of an internal
direction change; not because she missed the mark.
Ryan Walker, Marketing Manager
FOLIOfn, Inc.,
Vienna, VA
Click here for more.
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The Evolution of Folios
NOTE: Blue denotes links/keywords.
In the beginning, those who wanted to invest in the stock market had only one choice: They could buy individual securities, one at a time, to build their portfolio.
This was a slow, arduous process. And it was also very expensive.
Trading at $15.00 a pop gets pretty expensive... if one wanted to trade very often.
And putting together a diversified portfolio, in order to spread the risk, was yet another challenge to investors.
But, it was the only show in town at the time. And it allowed anyone, with the knowledge and determination, to play the stock market.
As investors demanded more, the next step in the evolutionary process was taking place.
Mutual Funds...
Enter... mutual funds. They were quite a step up from the slow, arduous process of buying stocks one at a time. And, they gave investors much needed and long anticipated diversification.
Now, investors could have a broad portfolio, which spread their risks considerably.
Fund managers also took the responsibility of choosing the securities that would go into a specific portfolio. This alleviated the pressure from individual investors because they just trusted that the choices were good and the prices were fair.
Well, it was the best alternative for the time. At least, it was a step up from stock picking. But, the commissions and fees that investors had to pay to fund managers were considered oppressive to some and downright intolerable to others.
Consider these facts: The average stock mutual fund has an expense ratio of about 1.30%. What does that mean? That is the fund’s total annual operating costs divided by its net assets. That means that investors in a mutual fund give up 1.30% of the value of their account to pay for the fund’s operations each year. And, as investors, money grows, the more they pay. (A $50,000 investment would cost $650 a year.)
This expense ratio does not include the sales or load that is charged by mutual fund companies (Many advisors say a top priority is to seek out mutual funds with a low expense ratio).
Still, there had to be a better way... didn’t there?
No-load Mutual Funds...
Then came no-load mutual funds. These are funds that don’t charge a sales commission. To be sure, these are better than sales commissions on top of the typical 1.3% expense ratio. Better, but not good enough.
Index Funds...
Next came index funds. These funds achieve their investment objective, by investing in the securities of companies that are included in a selected index. (S&P 500, Russell 2000, Wilshire 5000, etc).
Because index funds track with a fixed index of securities, there is less trading and less management required. This usually translates into lower fees and expenses, lower capital gains and, therefore, more favorable tax consequences. Good for investors.
Electronic Traded Funds (ETFs) ...
Since progress is ever-evolving, the next thing to come along was electronic traded funds (ETFs). Similar to index mutual funds, ETFs are traded more like stocks.
They are actually a basket of securities that are traded on an exchange, which offer diversification. And since ETFs are similar to stocks, they are more flexible than mutual funds.
ETFs only include securities in an index or sector, like index funds. The included securities don’t change as often as actively traded mutual funds, which allows lower management fees and fewer capital gains taxes on taxable accounts.
ETFs have low, annual costs that rival even the cheapest mutual funds.
However, ETFs are not without some drawbacks. Only institutions and very wealthy investors can deal directly with ETF companies.
And, unlike mutual funds, they don’t necessarily trade at net asset values of their underlying holdings. And the entire portfolio must be traded at one time, whereas mutual funds can trade individual securities.
And then, there’s the small matter of slippage. Like stocks, there’s a bid-ask spread. So, a buy could be at 14 1/8, but a sell may only get 14. (So it’s like a hidden charge, really.)
Once again, the evolution of investing continues.
Enter FOLIOfn Investing...
Folio investing brings the best of all the investing models together in one place. Investors can choose individual securities, mutual funds, index funds and ETFs and put them all into one portFolio.
Or, you can choose from our Ready-to-Go Folios (RTGs) it’s your choice. These are grouped according to types, companies or sectors.
Within a single portFolio, you can have up to 50 securities and you don’t have to sell them ALL at one time, the way you do with ETFs. One ETF, consisting of many securities, counts as only one security in a portFolio.
And, unlike mutual funds, with Folio investing, you can sell as many or as few securities as you want, because you actually own the underlying securities. It’s your call.
With our portFolios, you can purchase in dollar amounts as well as share amounts and fractions of share amounts. And you can contribute to your investments on an automatic monthly plan, without incurring prohibitive commissions.
And, because investors aren’t charged a commission when trading in Folios, you can trade as often as you need to all for one, low monthly fee.
Ample trading is made possible with window trades. So smart! Window trading is an evolved form of how mutual funds have worked for years.
With mutual funds, you send a check for a dollar amount to buy a fund as of about 4:30 pm on a specific day. But with Folio Investing window trading, you can buy/sell twice a day. This gives you all the trading a long-term investor is likely to need at a tremendous savings.
With our portFolios, there are no minimums, as with mutual funds. And, due to high commissions, ETFs are really only viable for the very wealthy investors.
With Folio investing it’s all about transparency. With one, low monthly fee, investors know exactly what they’re paying for their investments. We do not charge sales commissions and annual fees, as in mutual funds.
There are no hidden fees at Folio Investing.
Automatic investing... great for the long-term investor. Just set up an automatic buy/sell service. This service allows you to invest a specific amount of money in your portFolios every month. You can take it from your money market fund or from cash in your account. This affords investors a disciplined investing program. And... there are no commissions to pay on any of your trades.
And, with Folios, you can have money come directly from your bank account to your Folio account, electronically.
Folio Investing is, quite simply, the most evolved way of investing to ever
be invented.
And now, we want YOU to know how to regain control of your own investing destiny, using Folio Investing’s amazing tools.
Folio Investing... It’s evolved. It’s revolutionary. Join the revolution
today! |
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