CL King

Uncovering Hidden Investment Opportunities Since 1972

header photo

Blog Component

Advantage of Long Term Equity Investment

February 19, 2018

Though you would like to gain a sensible return on your investment by investing in equity, you may not have the time to endlessly track the market on a day to day basis. Equity investing also requires skill, information, and experience. While a lot of traders consider on the market, most do not succeed in getting excellent returns. This is why investing in equity mutual funds is one of the greatest ways of participating in the equity market. Here is some advantage that equity mutual funds offer:


Professional capability:

Equity mutual funds are managed by professional and qualified fund managers who have expertise and knowledge in financial markets.


Low cost of Asset Organization:

As mutual funds collect money from many investors, the cost of asset management is divided between a larger number of people, thus reducing the asset management fee per person.


Diversification Strategy:

To minimize risk, equity mutual funds raise your money across dissimilar securities of various companies across sectors. In this way, the funds seek to advantage from an increase in the sectors it invests in and also avoid the risk of default in any exacting sector or stock.


Better Regulated:

In India, mutual funds are synchronized by the Securities and Exchange Board of India, which works towards protecting investors' interests. SEBI forces simplicity on the mutual funds, which helps the investor make a knowledgeable choice. Sebi mandates mutual funds to release their portfolios commonly, which helps you maintain track whether the fund is invested in line with its purpose or not.


Long Term Investment

These schemes have a permanent maturity date wherein the scheme gets complete. These schemes are closed finished in nature. They are released for a fixed duration, at first, during which investors can give two units of the plan. After the fixed period gets over, the methods close for additional subscriptions. Units are selected only the persons who have invested through the initial opening time. The plans have preset maturities like three months, six months, 1 year, etc. After such a preset period or the maturity date, units of the investors are bought back by the mutual fund at the NAV appropriate on that day. The objective of these schemes is to provide a set income for a fixed period to the unit holders from a portfolio of a variety of balance instruments.


For more details you can consult with us at CL King & Associates.
CL King & Associates is Uncovering Hidden Investment Opportunities Since 1972. We provide investment banking, equity research, sales and trading, and investor services to corporations and institutions.
Also C.L. King’s annual Best Ideas Conference is held every September in New York City, bringing together company managements from covered (and uncovered) companies and investors for presentations and one-on-one or group meetings.

Read also: Skilled and Resourceful Equity Research Providing Precise Information

Knowing About Strategic Wealth Management

January 28, 2018

Today, there are lots of people who are enjoying their financial benefits from their salary, business, retirement, and other source of their income. They considered these things as their wealth because they work hard to earn from it. These wealth are also important for them as these help them in financing for their everyday expenses and this will be their means of living their life in the future. Bonuses, salaries and others that can be a source of money makes it to be essential in the future when you have a good and effective strategic wealth management.


Where does strategic wealth management stand?

This does not only focus on ways on how you will be able to handle and keep your money, but it also has strategies and new ways on investing something out of your wealth. If you do not apply the basics of strategic wealth management, you can reach to the point that all your saved wealth and luxuries will gone. For example, you have a small business and the money from your business was keep and saved you. As strategic wealth management is concern, you can use that money as a way of investing again from it. Eventually, you will notice that your money that comes from a single business will be doubled up. Wealth management firms will then help you in providing ways and techniques on how you will maintain that money you have earned. You can accept a wealth management advice from that aides you in making your business successful.


What if not?

Once you are not aware of what it offers, you can somehow meet failures in the future. All of your savings, financial plans and budgeting will not be successful. You are most likely to end up noting. But there are private wealth management that you can trust and rely on. They will help you rise in all your plans and objectives with regards to your business and wealth management services. These services are widely offered to people who are in need of appropriate strategies and management skills.


If you are in trouble with your wealth, all you have to do is to consult from the experts at C.L. King & Associates and they will lead you in the right way, C.L. King will teach you on handling and ways of investing from your money. Always remember that you have the right to make decisions out of your plan. The strategies and new trends on the management of your wealth are very essential when you run a large business that includes more people and investors. In that way, you can actually foresee what will be your business in the future.
To learn more please visit here:

Offshore Banking and Financial Stability

January 25, 2018

The world economy is not doing so well as before. The bad economy has caused many entrepreneurs to enter into bankruptcy. No one will ever want to suffer from financial problem during the bad economy. If you don't want to suffer from this consequence, you need to take several steps as precautions. One way to protect your finances from the bad economy is to invest your money offshore.


Offshore financial institutions are located in countries with low tax jurisdictions. With low tax jurisdiction your money will be safe from high income tax. In addition the low tax jurisdiction will protect your money from various kinds of financial instability circumstances. The low overhead cost in offshore countries enables you to take advantage of high interest rates. You will have access to all the standard banking features just like the savings accounts that are offered by local financial institutions. Some of the standards banking features you can access include wire transfer, foreign exchange, fund management, and etc.


If you live in a country with poor financial stability, it is recommended that you don't save your money in a local bank. Instead, you should save the money in an offshore bank that is located in a country with stable financial situation. In this way, you won't have risk of losing your money during a political catastrophe. You should make the decision to save the money in an overseas account now as financial troubles can take place in your native country at anytime.


Offshore banking can minimize your tax liability. They will protect your financial information from all the third parties including government bodies, judge and etc. The secrecy law practiced by offshore banks prevents people from knowing that you have an offshore bank account. Since the nineties, many businessmen have invested their money in financial institutions offshore. This has become very popular because offshore banks offer packages with attractive benefits for everyone. You don't need to be extremely wealthy to open a bank account offshore.


Offshore banking has become more and more widespread because of the advertisement in the publications. Many offshore advisers are spreading information about benefits of offshore banking to the public. Hence, more and more people are investing in offshore banks. The Dominica is one of the offshore countries where large companies invest and transfer their assets to.


The bank secrecy legislation practiced in banks ensures that government officials cannot spy on your financial affairs unless they are requesting it due to a criminal offense. They will not be able to gain information about your assets. They cannot know where you hold a credit card from the offshore bank because your name won't appear in the transaction receipt. The interest is paid to your savings account in full without deducting from it any government tax. If you plan to move to another country, you should transfer the funds to an offshore bank before leaving. This step is recommended for people which live in countries with high risk of political and financial turmoils. It will prevent your assets from getting seized by the government officials.


In industrialized countries, the residents are often forced to pay high tax. The high income tax causes your revenue to be reduced significantly. If you don't want your money to be taxed, you can transfer them to an bank account offshore. Offshore banking is a legal practice. Many high tax administrations attempt to prevent people from banking offshore by introducing publicity criminal tax evasion campaign. If you are not familiar with offshore banking you will probably think that it is associated with money laundering criminality. Many journalists also help to spread negative information about this. Although there are many offshore money laundering cases, most of the businesses that operate offshore are legal.


If you are interested in financial services to help you manage your wealth, assets, make investments for you, or manage your business banking, then contact C.L. King & Associates financial services provider.

CL King provides investment banking, equity research, sales and trading, and investor services to corporations and institutions.
Also read here: Advantages of Offshore Banking

Offshore Banking Benefits to Consider

January 23, 2018

Offshore banking involves using a bank account that is located outside one's country of residence. Such a bank account will be an asset to a business owner or the owner of a company. An offshore bank account can have some features and benefits that domestic bank accounts do not have. Most people use these accounts so as to benefit from tax advantages.


Taxes are a big headache. Some countries have very high tax rates while some have favorable tax rates. If an investor is based in a country having high tax rates, the business earnings will be taxed highly. The revenue authorities usually track business earnings by obtaining records about business bank accounts. To avoid such being the scenario, investors normally move profits to foreign bank accounts in countries that have favorable tax rates. Using foreign bank accounts is legal in most jurisdictions.


Before using such accounts, one should obtain advice from competent professionals. Advice from professionals who are well versed in financial matters can be relied upon. Such professionals include financial consultants, tax experts and accountants among other professionals. Research work will help one to know the best financial consultants in a particular town.


After obtaining all the needed advice, one should proceed forward to open an account. When opening an account, the procedures laid down by the banking institution providing the account will have to be followed. Clarifications must be obtained if one does not understand a particular procedure. Some procedures can be carried without being physically present. However, some procedures will have to be carried by visiting the offices of the bank selected.


During the process of opening an account, one will have to select the suitable type of account. There are different types of accounts. This includes savings account, current account, checking account and corporate account. Each account has its unique benefits. Businessmen will find checking accounts and corporate accounts to be very suitable. Such accounts are designed with the needs of businesses in mind.


Banking offshore is not an easy affair. This is because it involves many variables that are not well known by individuals out of the country the bank providing offshore services is located. These variables include economic variables and political variables.


The politics of the day in a country will determine whether the country will continue supporting foreign accounts or not. One therefore needs to follow the political news of the country where he has opened a foreign account. The tax policies of countries changes from time to time. If such rates increase to high levels, one will be forced to close an account. Nowadays, it is possible to obtain the national budgets of most countries online. Such budgets contain new tax rates. It is important to keep abreast with financial happenings in a country where one has a business account.


If you are interested in financial services to help you manage your wealth, assets, make investments for you, or manage your business banking, then contact C.L. King & Associates financial services provider.

CL King provides investment banking, equity research, sales and trading, and investor services to corporations and institutions.
Also read here: Wealth Management Solutions-Options Abound!

How Can I Get In On Offshore Banking Investments?

January 18, 2018

Legislative amendments to allow for the formation of Private Trust Companies has recently been introduced in the Bahamas. This demonstrates the government's commitment to the delivery of superior financial services to all clients.


The government is talking with stockholders including International Banks and Trust Companies, The Bahamas Financial Services Board among other financial institutions. A recent seminar was held to discuss the use and review of legislation as it pertains to Private Trust Companies.


A private trust company is formed for the purpose of acting as trustee of a single trust. Most of the world's wealth is held by private individuals and their families. The preservation of that wealth is what Private Wealth Management is about. PWM for families involves the creation of programs to generate wealth, protect wealth from predators, and control the transfer of wealth from one generation to the next. These services are usually geared to those individuals with a high net worth.


In 2003 the money owned by these individuals was around $29 Trillion and expected to jump to $41 Trillion by 2008. When you are talking about someone who will be interested in offshore banking investment it would most likely be someone with an amount of $100,000 to $5 million. If an investor has less than $100,000 to invest it is likely that offshore investing is right for them.


Nearly every bank with an inkling of being international offers a special rate of interest to wealthier private depositors and name it private banking. Minimums have fallen to under $10,000 in many instances. Many institutions are catering to the customer with $20,000 to invest in the hope that they will have $200,000 or $2 Million to invest in the future.


Offshore banking investment or private investment usually means investment management offered on a personalized level by the individual or company with disposable wealth of over $100,000. You should exercise care when you are thinking of opening a private banking account. You need to be sure it is the type of bank you want to do business with. Private banking is not the same as offshore banking. You will need to know the difference. Find out what any bank hopes to gain from your business before you open any type of an account.


Private banking does not necessarily mean investment. Banks like to lend money to rich people. If you deposit money with a private bank that is not accompanied by lending or borrowing is usually going to charge you a fee. Many times these banks are hoping for more involvement from wealthy depositors in the future.


If you are a wealthy individual, you will undoubtedly be bombarded by offers from many different banks who want you to deposit your money in their institution. Whether you will choose an offshore or conventional bank will depend on your residential status. If you plan to have residence in a low tax area, or plan to do so in the near future, than you will probably want to do business with an offshore bank.


You will need to know everything about the bank you choose before you become involved with it. You will be able to choose the right bank for your particular needs once you have looked into what they are able to offer you.


If you are interested in financial services helping you manage your wealth, assets, make investments for you, or manage your business banking, and then you should contact C.L. King & Associates financial services provider

The firm provides investment banking, equity research, sales and trading, and investor services to corporations and institutions.
Also read here: CL King's Financial Services Help Manage Money

Banking and Finance Careers

January 8, 2018

We all use math daily. While many of us just use the basics to keep track of how much money we gave and the change we should get, those who want to purse banking and finance careers do more than that to keep their clients happy.


People who work in banking and finance are paid well for the work that they do. Four of the fields that many professionals get into include accountancy and tax, Insurance, investment banking and retail banking. Let’s talk about each of these.


For people to work in accountancy and tax, you need to graduate and get your CPA or certified public accountancy license. To learn more about what you will be doing, many have to complete an on the job training with a legitimate accountancy firm.

The training period is about three years and afterwards, you can continue on staying with them, working for another firm or going into private practice.


Insurers just like accountants need to be licensed. This varies from state to state so you have to study and then pass the exam. Once you do so, your career may get you to sell property or casually insurance and life or health insurance.


You should also take further classes in the future because although you have your license already, rules change and you have to be aware of them.


Perhaps the biggest challenge selling insurance is deciding whether to work for an insurance company or doing this on your own. There are advantages and disadvantages doing both. When you are employed, you get a basic salary while those who decide to work for themselves can only make money earning commissions when a sale is made.  How well you do is entirely up to you.

Investment banking is different from regular banking because you are there to raise capital for a company by issuing shares or bonds. Later on, you may even work with a team that advises companies regarding mergers and acquisitions.


Also under investment banking is capital markets. Here, the professional is tasked with trading bonds stocks and other financial products to increase the portfolio of the client.

But before you get into that, most entry levels personnel start out doing research first about certain companies and who are their competitors. Their information is then passed on to the account managers who will then advice the client.


Lastly is retail banking which many of us are aware of because these are the people we meet in the bank from the teller to the bank manager when we need to deposit or withdraw cash and apply for a loan.

Unlike accountancy or insurance, you don’t need to get a license to do this kind of work. You just have to be customer oriented with strong interpersonal and communication skills since you will be dealing with people.


Tax and accountancy, insurance, investment banking and retail banking are the four basic types of jobs for anyone that wants to pursue a banking and finance career after graduation from college. Career progression in any of them is excellent and this can only happen with additional training and at times a license.

This can be achieved by part time study so all you have to do now is weigh your options and then go for it.


C.L. King & Associates is a full-service investment bank and self-clearing broker-dealer founded in 1972. At C.L. King & Associates, we enjoy a strong sense of pride and teamwork. Committed to professional development, C.L. King nourishes the strength of its dedicated team members.
Recent MBA graduates or MBA candidates looking for internship opportunities in financial services can submit their resume to

Also read here: A Guide to Land Banking by CL King

Mortgage Underwriting Outsourcing - A Quick Rundown of the Concept

January 6, 2018

Have you tried mortgage underwriting outsourcing? This is a common practice nowadays among owners of mortgage lending companies. It entails allocation of the lengthy and difficult process of underwriting to an external worker. When a borrower applies for a loan, on the internet or at a local bank, their request is received by loan officers on behalf of a lender.


Loan officers then begin to carry out the loan origination process. They receive application forms and request necessary documents that would help them pre-approve or drop some loan applicants.


When an application form is pre-approved, it is forwarded to the next stage of underwriting. This can simply be explained as the task of determining the creditworthiness of a house loan applicant. Mortgage underwriting outsourcing makes this task easier, cheaper and quicker. The technique is being used by large and small banks to lower their daily overheads. Does this make sense to you? When a bank outsources its underwriting process to an independent outworker, it automatically saves its office resources, time and money.


This is because underwriters from outside do not require any support from their clients. They have large teams of professionals who approve or reject loans very quickly. Mortgage underwriting outsourcing can be applicable in today's unstable economy where inflation has become a common threat to businesses. During inflation, companies that are not aware of outsourcing strategy lay off their workers to survive. There is no need to wait until this happens. You can let go of redundant staff right now in favor of mortgage underwriting outsourcing. You could also shift them to other departments or stages of loan origination process.


It is never too late to change the way you run your lending institution. A practical change such as introducing mortgage underwriting outsourcing will produce sweet fruits in the near future. Since underwriters establish the plan for recovery of money in case a borrower defaults in the future, you must choose them cautiously. It is wise to engage a local mortgage processing firm that has many positive reviews and years of experience. Additionally, you must focus on hiring an external underwriter that processes similar loans as yourself. For instance, if you process VA home loans, search for an underwriting company that can handle them.


The only major requirement a mortgage underwriting outsourcing company will demand from you is a service fee. Some companies pre-set their service fees while others are willing to negotiate rates with you. It is up to you to select the company you want. Even as you hire an outsider to underwrite your loan contracts, you need to make some vital decisions. For example, you have to decide if you will be the bridge between your customers and the third party underwriters. If you want to stick between them, then get ready to communicate and give feedback. The other arrangement involves letting your outworker communicate directly with loan applicants. Like many people, you might fear that an external underwriter could request your customers to stop giving you business. This cannot happen because these professionals are only in the business of mortgage underwriting outsourcing.


For more information you can consult our experts at C.L. King & Associates.
C.L. King & Associates is a full-service investment bank and self-clearing broker-dealer founded in 1972. When combined with our strong capital base, we are an active securities underwriter. We co-manage bond offerings, IPOs, follow-ons, secondaries, convertibles, and preferred
Also read here: Outsourced Loan Underwriting Benefit for Small Mortgage Lenders

Points to Consider when investing in The Stock Market

December 30, 2017

Here are six actions you can start with:

1) Consider the P/E ratio of the market as a whole and of your stock in particular.
Most of the time, you can ignore the market and just focus on buying good companies at reasonable prices. But when stock prices get too far ahead of earnings, there's usually a drop in store. Compare historical P/E ratios with current ratios to get some idea of what's excessive, but keep in mind that the market will support higher P/E ratios when interest rates are low.


2) When inflation and interest rates are soaring, the market is often due for a alert.
High interest rates force companies that depend on borrowing to spend more of their cash to grow revenues. At the same time, money markets and bonds start paying out more attractive rates. If investors can earn 8% to 12% in a money market fund, they're less likely to take the risk of investing in the market.

Of course, severe drops can happen in times of low interest rates as well. Look for red flags in the financial news, such as the beginning of the recent housing slump or the international credit crisis. Don't let fear and uncertainty keep you from participating. Remember that the market goes up more than it goes down. Even poor market timers make money if they buy good companies.


3) Do your homework.
Study the balance sheet and annual report of the company that's caught your interest. At the very least, know how much you're paying for the company's earnings, how much debt it has, and what its cash flow picture is like. Read the latest news stories on the company and make sure you are clear on why you expect the company's earnings to grow.

If you don't understand the story, don't buy it. But, after you've bought the stock, continue to monitor the news carefully. Don't panic over a little bit of negative news from time to time. Nearly every company has an occasional setback.

But if there is serious evidence of fraud or declining prospects, act quickly. Restating earnings is often a clear sign that all is not well with a company's accounting practices.


4) Be patient.
Predicting the direction of the market or of an individual issue over the long term is considerably easier that predicting what it will do tomorrow, next week or next month. Day traders and very short term market traders seldom succeed for long. If your company is under priced and growing its earnings, the market will take notice eventually.


5) Take advantage of periodic panics to load up on shares you really like long term.
It isn't easy to do, but following this advice will vastly improve your bottom line.


6) Remember that it's not different this time.
Whenever the market starts doing crazy things, people will say that the situation is unprecedented. They will justify outrageous P/E's by talking about a new paradigm. Or, they'll bail out of stocks at the worst possible time by insisting that this time, the end of the world is really at hand.


If you watch these cycles over a period of 20-30 years or so, you'll learn a valuable lesson: It's never different this time. Ignore the hype, and carry on.


For more details you can consult with the experts at C.L. King & Associates. The company has managed First Mortgage Bonds offering, bond and stock offering for Walmart, NextEra Energy Capital Holdings and many more.
To learn more, please visit here:

Stock Market Research - Easy Ways to Find Solid Stocks

December 11, 2017

These days, many people are looking for ways to grow their personal wealth, without having to wait around for the slow accumulation of interest and dividends from high yield savings accounts, money market funds, and certificates of deposit. Investing in the stock market is one of the best ways to make your money work harder and grow long term wealth for yourself and your family. Of course, you have to be willing to risk your money on the public markets in the first place, and it's important that you conduct a fair amount of stock market research before you make a purchase.


It's likely that the idea of conducting some stock market research has already occurred to you, as it only makes sense that you would investigate the financial stability of a company before you turned over your money to their uses. However, many people don't really know how to go about researching a stock to see if it is worth their time and money, and they're also reluctant to invest a lot of time in the research process if they don't really know what they're doing. There are some easy ways to investigate a stock without having to make a three-month research process out of it.


One of the simplest recommendations for stock market research, is to narrow the field of possibilities to those stocks that you know or the companies that you think have a really strong product offering. If you love their product and think that it represents the future of their industry, it's likely that many other people will also recognize the same things, and purchase it as well. This combination of potential for demand and development makes a company a solid choice for your cautious investment.


When conducting your stock market research, it's also important to keep in mind that not every company that demonstrates a lot of potential also demonstrates a lot of potential for you to make money. Profit is the whole reason for getting involved with the stock market in the first place, and if you unknowingly pay too much for a stock that is very popular, you might find it is a long time before you can hope to see dividends, or resell the stock for a profit. It's important that you use techniques like technical analysis and market evaluation to determine whether the market is currently under or overvalued. This will prevent you from making mistakes that could be costly.


For more details you can consult with the experts at C.L. King & Associates. C.L. King’s Equities division provides superior fundamental research, sales and execution services to our institutional clientele. We identify opportunities for superior investment returns by discovering overlooked and underfollowed small- to mid-capitalization stocks within select industry sectors, while providing differentiated and comprehensive intelligence.
Also read here: Stock Market Timing Advice and Strategy by CL King

C.L. King Tips to Find a Stock Market Broker

December 7, 2017

Since you are entrusting someone else to increase your monetary returns, it is important to find a reputable stock-market broker to handle your investments. A stock marketing is a licensed professional who can buy and sell stock shares or other securities on behalf of an investor. A stock-market broker works on a commission basis, often receiving bonuses and incentives for their performance


What to Look for in a Stock-Market Broker?

There are many factors to consider when selecting your stock market broker.

  • Are they licensed? 
  • What is their commission structure? 
  • How much experience do they have?


A stock-market broker stays abreast of the best way to achieve the financial goals of their clients. A good broker like C.L. King & Associates will strive to understand their needs, offer high quality research, and provide sound advice concerning investment opportunities. This is especially helpful to many clients, as some investors have no idea how the stock market works.


How your Stock Market Broker Operates

  1. How does your broker approach investments? Is he aggressive and high-risk or conservative and methodical? 
  2. What process goes into deciding on an investment stock? How much research is involved in a prospective stock? How many years of history does he research? 
  3. Are you involved in any selections as the investor? Does your broker work better in an execution or discretionary role?


There are often three levels of service that your stock-market broker operates in:

  • Execution - you instruct your stock market broker on when to buy and sell the stock shares that you want. They carry out your instructions, but will not give you advice about your decision. You can consult a different financial advisor for this if you desire.
  • Consultative - When your stock market broker acts as a consultant, he will discuss with you his views on the various companies and recommend whether you should buy, sell or hold on to your shares. In this respect, he will offer you advice concerning a decision that should be made about a certain stock.
  • Discretionary - your broker makes all decisions to purchase and sell and contacts you periodically to keep you informed concerning your portfolio performance.


Before you may be able to select the best broker for your needs, it is important to first understand your investment goals and philosophy. It is important to carefully calculate the amount you are willing to invest and assess the risk that you can afford to take when investing. Be very honest with your stock market broker concerning these points. A stock market broker who knows that you have a stable and conservative portfolio that you would like to keep that way will make different decisions than a high-risk, active client.


Remember when selecting a stock market broker that it is your money. You may find a particular broker to aggressive or even too conservative for the type of portfolio that you want to build. Make sure to emphasize your financial goals and risks. With the right research, you are sure to find the perfect match for your money in a stock market broker.


For more details you can consult with the experts at C.L. King & Associates. C.L. King takes a rigorous approach to financial advisory and M&A assignments based on years of experience, the latest finance theory, and comprehensive valuation insights gained from being an active broker-dealer in securities markets.
To learn more, please visit here:


View older posts »



There are currently no blog comments.