HOW TO USE LITTLE CASH TO MAKE HUGE RETURNS FROM STOCKS.


For small scale investors who may not be able to pay more money on any margin, or even stand a chance of even affording the initial pay down for margin not to talk of loosing it to the market during the bears hijack, it is better we play a steer-clearance and be safe. I personally advice people to collect soft loan for investment, loans that you can consistently upset or reduce as you cultivate a saving culture. You are not depending on speculation (kalokalo) to be able to make money in the stock market. I have seen people who collected loans to invest through margin account without intelligence, they made the money alright, but all the profits went all the way in paying the interest on margin. Hence, getting a soft loan, to buy shares seems to pay you better when you can't afford the stress of staying up all night calculating percentage drop or increase in a market which you do not have the power to control or the intelligence to analyze.
SOFT LOANS FOR PROFT ON SHARES,
when investing with soft loans from microfinance sources, once you are through with your repayment plan, the shares automatically becomes yours for keeps, and as you gradually pay-up the amount of loan used n purchasing the shares the interest charged on such loans gradually reduce with time giving an opportunity to gradually heads towards total ownership of the shares irrespective of the market value of the shares. Should something happen to the market, which is normal, especially for those that do not have the intelligence to discern such things (the bears can decide to attack the market or just your share), the fear of losing your holdings does not come, unlike the case of margin trading because you have built confidence n your creditor through your consistent ability to pay back through your consistent savings. That is what we all call soft borrowing or soft loans. The microfinance loan may be small in capacity puts a safety limit on the investor especially for the one whose knowledge of the market is just beginning to gain ground. The loans given by small sectors finance providers can range between #10,000 to #500,000. You only borrow based on your earning capacity to pay back, because that is your financial capacity. You cannot bite more than you can chew, you cannot collect a loan of #5million from a margin account when you are only earning a salary of #10,000 per month all in the name of wanting to get rich quick.


HOW TO LIQUIDATE THE LOAN
In soft loan borrowing, you must put plans on ground to repay the loans collected for the investment. You gradually liquidate the debt as you operate a saving strategy.
1. Open a saving account with the microfinance bank
2. Start saving into that account and mandate the microfinance bank to use this savings payment to gradually liquidate the loans from shares purchased
3. Set aside a part of your monthly income for the purpose of upsetting the debt in your account as a result of collecting this loan.
4. Once there is an improvement in the market performances of your stock, sell off portions that can either reduce your debt or totally clear it. Remember once you can do this, the stock becomes yours without any obligation to the microfinance bank.
If you collect a microfinance loan worth #200,000 to buy UBA Plc stock at #40.00 that is 5000 units of the bank’s shares. Let’s assume the microfinance ban gave you the entire #200,000 on 25% interest charge per annum, non-compounding, which amounts to 25/100 x 200,000= #50,000, the entire loan worth is #250,000 payable after a year. If you develop a repayment plan that spans ten months and intend to pay #25,000 every month from your income, five months later you would have liquidated your loan to the time of 50%, that is you have repaid #125,000. Therefore, the interest charge is now 25/100 x 125,000= #31,500 this means that the remaining monthly installment repayment plan reduces accordingly with #6,450 at sixth month payment. But preferably, it is better to stick to the #25,000 repayment plan. What this means is that you are likely to finish repaying the loan before the stipulated date or you will have a surplus on your account which will attract savings interest which accrues to your account to increase your balance. And you know what? If the fortune of the market turns around, you stand a chance of really creating great wealth from using microfinance ban loan without stress. For example, if the share price of the UBA stock you bought with loan grows from #40 to #60, that 50% growth in specific timing has grown your #200,000 initial to #300,000. If the stock grows by 50% in two months and you sell, you have made #100,000 investing just #10,000 of your money because the #10,000 which is the interest you are paying on the borrowed money is the part of your own investment, the rest is the loan you were given.

In fact, soft loan investment methods allow you to acquire blue chip stocks without stress and cheaply when you could not afford it. All you need do is “TO GET THE RIGHT STOCK AT THE RIGHT TIME AND CHECK FOR PRFITABILITY PERIOD”

TILL I COME YOU WAY AGAIN…SEE YOU ON TOP.



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