Building a Better Safety Net: From Emergency Funds to the Gift of Wealth

At Objective Measure, we believe in empowering individuals to take control of their financial future. Today, we’re diving into the crucial steps of establishing an emergency fund and stepping into the world of investing. These are not just tasks to check off your financial to-do list; they’re essential components of a robust financial safety net that will enable you to weather the storms of life.

Emergency Funds: Invest in Your Peace of Mind

An emergency fund is a short-term investment tool, designed to save you from moments of financial stress. It’s your backup plan and your first step toward peace of mind. In order to endure financial ups and downs without derailing your long-term goals, an emergency fund cushions you from unexpected hardships. The more you have saved, the more flexibility and relief you experience when financial difficulties hit.

If you’re just beginning your saving journey, aim to set aside $1,000 for emergencies. It’s a modest start, but a crucial step in the right direction. Once you’ve hit that mark, expand your emergency savings to cover expenses or income for a set period of time (3 months, 6 months, etc.). This cushion will provide breathing room in the event of a job loss, medical bills, or other financial emergencies, and will stop the financial impact from boiling over.

Investing: Planting Seeds for Future Growth

After securing your emergency fund, it’s time to turn your attention to investing.Before diving in headfirst though, take a moment to reflect on your goals: what are your plans for the next five to 10 years? Be sure to include any major financial goals such as buying a home, getting married, starting a family, or going back to school. This exercise will help you determine your short-term priorities and cash needs, as well as your risk tolerance and long-term timeline.

Investing isn’t a one-size-fits-all endeavor; it’s about developing a strategy that aligns with your unique circumstances and aspirations. While your emergency fund provides short-term relief and security, your investments should aim to leverage time and compound interest, building wealth over the long haul and serving as a safety net for the future.

Laying the Foundation: Education and Engagement

Education serves as the groundwork for your financial well-being and will unlock the tools for successful saving and investing. Just as you wouldn’t build a house without a solid foundation, you shouldn’t dive into investing without understanding the basics. Take the time to educate yourself on investing strategies, financial products, the market, and risk management. With these pieces firmly understood, you will be able to build a path toward your unique goals.

Active participation will move you forward from education into engagement: the key to unlocking your full potential. To make the most of your investments, it’s important to know what you own, what it costs you, and how it’s affected by changes in the market. Research, regular reviews of your portfolio, and asking the right questions will keep you tuned into what’s happening with your investments. This type of active engagement empowers you to make decisions with confidence.

Realizing Your Financial Dreams

The journey to financial independence is a marathon, not a sprint. Along the way, you’ll encounter challenges and moments of doubt. Be patient with the learning curve, give yourself grace, and embrace the journey. With the right knowledge and approach, you will be equipped to navigate the journey with confidence. Investing isn’t just about chasing returns; it’s about building your future of freedom, security, and abundance.

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Navigating Market Volatility: How Active Investing Provides Stability

Welcome to the dynamic world of investing, where the markets swing like a pendulum and financial landscapes change in the blink of an eye. Amidst this ever-shifting terrain, finding mental and emotional stability can seem nearly impossible. With active investing, though, experience leads to confidence, which grows into resilience, leaving you cool and calm in the face of market volatility.

At Objective Measure, we believe in equipping individuals with the knowledge and tools they need to actively participate in their financial journeys. Through active investing, you can not only achieve stability but also empower yourself to navigate the complexities of financial markets with intention and clarity.

The Foundation: Financial Literacy

Like building a house, investing starts with a solid foundation – one of financial literacy. Before delving into the intricacies of investing, it’s essential to grasp the basics of personal finance. From budgeting to saving, emergency planning to retirement goals, financial literacy lays the groundwork for an active journey through future planning and investing.

Investing introduces a new realm of possibilities and challenges; adding to the balancing act is the evolving landscape, with its new products and trends emerging every day. It’s like learning a new language, with its own vocabulary and nuances. Our Investment Essentials course serves as your guide, bridging the gap between personal finance and investing, and instilling the confidence needed to embark on your investment journey.

Active Participation: Engaging with Your Investments

Passive participation can be an enticing option, but it usually leads to unpreparedness and missed opportunities. Active investing, on the other hand, engages you in the process, giving you more understanding and awareness so you can make thoughtful and informed decisions.

Being actively involved in your investments gives you control over your vision for the future, providing meaningful context on your unique circumstances, priorities, and risk tolerance. Being engaged in this way means knowing what you own (and how much it’s costing you,) asking the right questions, and staying informed about market changes. While it doesn’t require constant buying or selling, active participation equips you to understand all the pieces and make strategic adjustments when needed.

The Benefits of Experience: Confidence and Resilience

As you learn and explore the world of investing, you gain invaluable experience and inevitably find yourself feeling more confident in your financial plans and decision-making. Through education and engagement, you’ll develop a deeper understanding of financial principles and market dynamics. This knowledge not only reduces anxiety but also fosters a sense of control over your financial future.

Beyond confidence, active investing builds resilience. The journey will certainly have its ups and downs, but with experience comes the ability to weather the storms. Mistakes become learning opportunities, and setbacks fuel your determination to succeed. Investing is indeed a marathon, not a sprint – and with resilience comes the capacity to stay the course and achieve your long-term goals.

Embracing Active Investing

In a world of market volatility and uncertainty, active investing offers stability and empowerment. By educating yourself, engaging with your investments, and embracing the learning experience, you can navigate the ever-changing financial landscape with confidence and resilience. Remember, investing is not just about earning – it’s about building a financial future of freedom and generosity. So, take charge of your financial journey, and with active investing as your guide, you are sure to reach your destination.

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Master Your Portfolio: 5 Essential Rules for Investing Success

Navigating the investment universe requires a solid grasp of the fundamental rules for investing. This guide introduces five key principles that serve as your compass in the financial markets, offering a practical framework for making informed decisions that align with your long-term goals.

Key Takeaways

  • Patience in investing is essential, emphasizing the importance of holding investments for at least a year and focusing on long-term growth over quick wins.
  • A successful investment strategy includes a well-tailored, diversified asset allocation mix and periodic rebalancing to align with one’s financial goals and risk tolerance.
  • Informed investing is critical, requiring thorough research on potential investments and regular strategy reviews to adjust for changes in personal circumstances and market conditions.

Patience Pays Off – Hold your Investments for at least 1 year

Successful investing is deeply rooted in patience. Rather than hunting for quick wins, focusing on long-term growth is one of the golden rules of investing. 

The following will explore investing rules to make the most of your money:

  • The benefits of holding investments for a minimum of a year
  • The role of a well-diversified asset allocation mix
  • The need for comprehensive research prior to investing
  • The value of conducting regular strategy reviews while making minimal changes throughout the year.

Asset Allocation Mix

Asset allocation is the backbone of any successful investment strategy. It’s a process of dividing a portfolio among different asset classes such as equities, fixed-income assets, and cash equivalents. This fundamental decision determines the bulk of investment results. However, it’s not a one-size-fits-all approach. Each investor’s asset allocation strategy should be tailored to their individual goals, risk tolerance, and investment horizon.

A well-diversified portfolio is like a well-balanced diet – it includes investments spread across different asset classes to protect against widespread financial risk. It addresses unspecific risk tied to single companies and ensures a balanced, nutritious investment diet. Some investment strategies, like target-date funds and education savings plans, exemplify age and time-based asset allocation adjustments by gradually shifting to more conservative asset mixes as the investor or beneficiary approaches the targeted milestone.

Diversification is not just about spreading investments, but about choosing the right mix of assets. Incorporating non-correlating assets like bonds, commodities, currencies, and real estate that move inversely to stocks helps manage risk and smooth out volatility in a portfolio. 

The key is not trying to time the market but ensuring the investment mix resonates with your risk tolerance and includes assets offering inflation protection and diversification.

Regular rebalancing of a portfolio is akin to tuning a musical instrument – it ensures harmony in the asset allocation and alignment with the investor’s risk tolerance and goals. It facilitates strategic buying and selling of different asset classes, keeping the portfolio in tune with the investor’s financial symphony.

Research – Don’t invest in anything you don’t understand

Research serves as the guiding compass for investors navigating the vast ocean of investing, including the stock market. It forms the bedrock for informed decisions about stock purchases or disposals. A robustly researched investment strategy, in sync with individual goals and financial needs, paves the way towards financial success.

Staying informed through research enables investors to:

  • Spot potential warning signs or risks associated with a company’s stock
  • Understand the company’s business model and financial health
  • Monitor and analyze general market trends with the help of market experts
  • Analyze dynamics within specific industries or sectors

This research makes sense, like a lighthouse guiding a ship away from dangerous coasts.

In the journey of investing, knowledge is power, and understanding is the key that unlocks the door to success. Remember, don’t invest in anything you don’t understand. It’s like setting sail without a destination – you might enjoy the ride, but you’ll be lost at sea, missing out on opportunities to make more money.

Annual Strategy Reviews

Similar to a ship’s captain who regularly checks the course, investors must frequently review their investment strategy. This step guarantees that your portfolio stays in line with your evolving financial goals, tolerance for risk, and the fluctuating market conditions. Consulting a financial advisor can be helpful in navigating life changes such as marriage, having children, and retirement, which can impact financial plans and priorities and necessitate adjustments to the investment strategy.

Economic shifts reflected by indicators like retail sales, current account balances, and pre-tax income can influence quarterly GDP reports and prompt investors to adjust their strategies accordingly. New opportunities and risks that arise from economic and personal circumstances can be capitalized on or mitigated through periodic strategy reviews and adjustments.

Rebalancing is the rudder that helps steer the ship of investment strategy in the desired direction. It is an integral part of the strategy review process and is necessary to maintain the desired asset allocation and manage risk effectively. Reviewing portfolio allocations at least once a year helps determine if rebalancing is necessary, considering your investment plan and any changes in market conditions.

Make Only Modest Changes throughout the Year

Investing mirrors a marathon rather than a sprint. As you begin investing, keep this long-term perspective in mind. It is recommended to invest regularly and make only minor changes to your asset mix over the year, even during a bear market. This strategy, followed by most investors, helps you adapt to the peaks and valleys in your account gradually, avoiding impulsive, drastic reactions. Having an emergency fund in place can also provide a safety net during uncertain times.

Limit yourself to a 10% change, allowing for time to adjust to the fluctuations within your account. This disciplined approach helps you stay the course during market volatility and maintain focus on your long-term investment goals.

Staying Informed and Engaged

Being informed and actively involved in managing your investments is akin to being the captain of your own ship. It enables you to navigate market changes more effectively and steer your investments toward your financial objectives.

Continuous learning and active participation with the golden rules of investing are your trusted compass and map in your investment journey, guiding you towards success.


Mastering the art of investing involves a blend of patience, a well-diversified asset allocation mix, thorough research, regular strategy reviews, and modest changes throughout the year. Add to this the importance of staying informed and actively engaged and you’re well on your way to navigating the high seas of investing with confidence.

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Smart Investing: Top Investment Classes for Women to Grow Wealth

As a woman, mastering your finances means more than just saving – it’s about making smart investments that grow your wealth. With unique financial barriers at play, finding the right investment classes tailored for women can be the key to unlocking potential and financial empowerment. This guide reviews top investment classes for women, connecting you with the resources to invest confidently, build wealth, and secure your future.

Key Takeaways

  • Financial literacy is more crucial than ever for women, addressing gender-specific challenges such as longer lifespans, lower earnings, and shorter work tenures to secure their financial future.
  • Investment classes designed for women can greatly enhance their financial literacy and investing confidence, focusing on their unique needs, and providing a supportive learning environment.
  • Online investment communities and resources are instrumental in offering networking opportunities, emotional support, and flexible, self-paced learning for women to thrive in their financial endeavors.

Empowering Women Through Financial Education

Financial education for women is transformative. In a time marked by increasing divorce rates, less frequent remarriage, and the emergence of intricate financial products, arming women with financial knowledge has become paramount for securing their financial future. Women face unique financial challenges, including:

  • living longer
  • having shorter work tenures
  • lower earnings
  • fewer pension benefits than men

This increases their need for financial literacy to maintain their financial health.

Historically, men have been viewed as the default financial decision-makers within couples, leading to a gender gap in financial literacy. This gap is especially concerning for divorced and unmarried women, who face the risk of lower wealth levels as they approach retirement compared to married couples and unmarried men. Financial literacy correlates with responsible savings and behavior, underscoring the role of financial education in promoting sound financial decisions and retirement savings.

The Need for Financial Literacy

Did you know that less than 20% of middle-aged, college-educated women, can answer a basic compound interest question, compared to about 35% of college-educated males of the same age? This gap in financial literacy is worrisome and is linked to lower levels of savings and investing. The gender gap persists even when accounting for differences in socioeconomic factors, indicating distinct patterns of financial knowledge acquisition between men and women.

Active involvement in the financial decision-making process within households can boost financial knowledge. However, traditionally, men have been more involved in these decisions than women. As financial products grow in number and complexity, equipping women with financial knowledge and helping them take control has become of utmost importance. This presents barriers, but with education, they can be overcome.

Overcoming Barriers to Investing

Empowerment stems from education. For instance, women with higher education levels than their spouses tend to take on more financial decision-making responsibilities. However, there’s a lack of correlation between financial decision-making and literacy among women, unlike men, indicating unique challenges for women in gaining financial knowledge, particularly within household dynamics.

The good news? On-demand learning formats can provide women with a low-pressure educational environment. These formats accommodate their schedules and mitigate the stress associated with fixed deadlines.

Investment Classes Tailored for Women

Investment classes can serve as a valuable ally for women on their financial journey. They provide the knowledge and skills needed to build wealth through various investing strategies. Women’s participation in these classes plays a significant role in enhancing their financial literacy and confidence in investing.

These classes are tailored to the unique needs and circumstances of women, taking into account their financial goals and potential challenges. By focusing on women’s financial needs, these classes offer a safe space for women to learn and grow.

Building Wealth with Confidence

Imagine being able to confidently navigate the world of investing and growing your wealth. Online courses like Objective Measure’s, Investment Essentials, are designed to help beginners start investing and increase their confidence in investing by teaching the essentials of growing money more effectively than with traditional savings.

Financial education emboldens individuals, instilling knowledge and confidence in their capacity to build wealth and achieve financial freedom. Additionally, exposure to other, like-minded individuals can foster growing confidence among female investors, ultimately leading to their financial success and improved well-being.

Benefits of Joining a Like-Minded Community

Becoming part of a community of like-minded women investors can significantly benefit your investment journey. Networking within these communities facilitates professional relationships, which are essential for career growth and advancement. Engaging actively in investment communities like Objective Measure can:

  • Foster personal development
  • Provide access to a supportive community of like-minded women
  • Encourage and foster a sense of belonging
  • Contribute to overall success in investment endeavors

Access to Free Resources & Encouragement

Beyond networking, investment communities grant access to a plethora of free learning resources. These resources can include books, blogs, podcasts, and much more. These resources, coupled with a  judgment-free environment, are crucial for men and women alike to openly share their financial experiences, 

A few other benefits of a community like Objective Measure include:

  • Informal accountability partnership
  • Mutual support and encouragement among women
  • Access to a community of finance-savvy women
  • Continuous engagement and learning

Online Learning at Your Own Pace

Online investment courses, designed to be self-paced, provide unmatched flexibility. These courses fit learning into any schedule, whether early in the morning or late at night. With on-demand courses, women can control their learning experience by pausing and rewinding content to better understand complex investment topics.

The autonomy of self-paced learning enables women to customize their investment education according to their personal interests and financial goals. Platforms like Objective Measure provide beginner investment courses that build a solid foundation and confidence in personal finance and investment strategies.

Virtual Classrooms and Webinars

Virtual classrooms and webinars offer women the opportunity to participate in investment classes, unfettered by geographical limitations. These online platforms offer a mobile learning experience with flexible schedules, including video lectures and readings from experts in the field.

Online communication channels such as discussion boards and chats increase student comfort and participation in the virtual learning process. This way, geography and time zones are no longer barriers to financial education.

On-Demand Content

The self-paced nature of on-demand investment courses also enables women to learn at their convenience, take extra time with challenging material, or progress quickly through topics they’re familiar with. On-demand courses often provide video instruction to accommodate visual learners, supporting a variety of learning preferences and enhancing the overall educational experience.


In summary, financial education is essential for empowering women to take control of their financial future. Investment classes tailored for women, networking within like-minded communities, and self-paced online courses all contribute to bridging the gender gap in financial literacy and fostering financial freedom. Let’s continue to champion women’s financial literacy and work towards breaking down barriers in the world of finance.

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Best Investing Courses Online for Successful Portfolio Growth

You’re determined to find the best investing courses online that won’t just promise results but help you achieve them. With options from beginner basics to complex strategies for the pros, our curated list for 2024 is stripped of fluff, equipping you with the knowledge and skills needed to flourish in the investment world. Dive in to find the right course that matches your budget and expertise.

Key Takeaways

  • Online investing courses offer a range of options, catering to different levels of expertise and financial capacities, including free resources and comprehensive paid courses for targeted learning.
  • Specialized courses are available to cover various investment strategies and market segments, from stock market mastery and options trading for intermediate learners to advanced portfolio management for seasoned investors.
  • Accessibility and flexibility are essential considerations with providers like Udemy & Objective Measure offering affordable and self-paced courses with lifetime access, suitable for budget-conscious and time-restricted learners.

Top Online Investing Courses for 2024

Securing your financial future depends heavily on selecting the appropriate investment course. From free detailed lectures to advanced courses, there’s a wide array of online courses to fit every learner’s needs and budget. So, how can you find the best investing courses that offer comprehensive content without breaking the bank?

Best for Beginners: Objective Measure’s Investment Essentials Course

Our Investment Essentials Course serves as an ideal launchpad for beginners venturing into the exhilarating realm of investing. As a nonprofit organization focused on demystifying the complex world of investments, we’ll teach you essential concepts and provide straightforward investment tools (and we won’t try to sell you on future money management).

At Objective Measure, our approach is all about empowering individuals through market analysis. We aim to equip learners with the knowledge to achieve a 6+% return on their investments, instilling confidence and practical skills, rather than promising overnight riches.

It’s a comprehensive course that teaches you:

  • the basics of investment
  • how to analyze stocks
  • how to create a diversified portfolio
  • how to manage risk
  • how to develop a long-term investment strategy

This investing course will guide you on your journey to becoming a confident investor, providing you with valuable knowledge from various investment courses.

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Best for Stock Market Investing: Stock Market Mastery

Stock Market Mastery caters to those with an avid interest in uncovering the depths of the stock market, offering courses tailored to different levels of expertise, including stock trading. Among their popular courses is ‘Invest in Stocks Like a Pro Investor by a Pro Investor!’ This course offers comprehensive knowledge of the buy-side research process, financial modeling, and financial statement analysis.

‘Investing in Stocks – The Complete Course!’ caters to individuals looking for a broader perspective, offering a deep dive into the world of stock investments, mutual funds, and ETFs. It’s an excellent resource for advanced students looking to expand their investing skills.

For intermediate students, ‘Technical Trading and Investing Made Easy’ bridges the gap to more advanced concepts. It offers 1.5 hours of on-demand video and other resources across 27 lectures in 6 sections.

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Best for Options Trading: Simpler Trading’s Options Courses

Simpler Trading distinguishes itself as a frontrunner in the field of options trading education. They offer a broad selection of options trading courses in Basic, Premium, and Elite packages, priced from $297 to $997.

Curated by John Carter, a renowned trader, these courses are enriched with expert insights, making them a valuable resource for anyone looking to delve into options trading, especially for bear-bull traders.

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Best for Value Investing: Value Investing Bootcamp

The Value Investing Bootcamp presents a comprehensive exploration of the concept for those captivated by value investing. This course provides an overview of value investing principles and the analytical skills necessary to identify undervalued stocks.

The course equips students with practical knowledge to apply value investing principles effectively in managing and growing their investment portfolios, with a focus on sustainable investing. Not only that but students also get to delve into the investment styles of prominent value investors like Warren Buffet, understanding their strategies and decision-making processes in the investing classroom.

By the end of the Value Investing Bootcamp, you will be well-versed in:

  • Techniques for finding undervalued value stocks
  • Understanding market inefficiencies
  • Financial statement analysis
  • Evaluating company management

{Learn More Here}


We’ve covered a range of online investing courses designed for different skill levels and budgets. Whether you’re a beginner looking to understand the basics of investing or an advanced investor seeking to enhance your portfolio management skills, there’s an online course tailored to your needs.

One thing to keep in mind as you’re considering an investment course is this: what is their goal as an organization? Do they care about education or are they trying to sell you on something more? At Objective Measure, our only goal is to create simple tools and healthy environments for improved financial behavior.

Remember, the key to successful investing lies in continual learning and adapting your investment strategy based on market trends and your financial goals. Through an investing course, you’ll be one step closer to becoming a confident investor, ready to navigate the exciting world of investing.

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The Trap of Passive Participation: Active Investing Provides Better Results

In the realm of finance, the term “passive investing” suggests the idea of setting and forgetting your investments, relinquishing control to the whims of the market. However, this is a dangerous approach that exposes you to risks you can’t necessarily recognize. Passive investing, characterized by a lack of engagement and involvement, sets investors up for failure with less information, less confidence, and less experience than engaged investors. In contrast, active participation in your investments offers a pathway to informed decision-making, resilience, and ultimately, financial success.

Understanding the Risks of Passive Investing

Passive investing may seem appealing in its simplicity, but it comes with unavoidable pitfalls. Investing is not one-size-fits-all, so an untailored approach means you are investing blindly and without a strategy in place. Without a clear understanding of what you own or the associated costs, you may be paying excessive fees for unsuitable assets. Furthermore, failing to regularly assess your portfolio leaves you vulnerable to market fluctuations and unresponsive to changes in your own needs and circumstances. Ultimately, passive investing can lead to excessive costs, missed opportunities, and subpar returns, while setting you up to be unprepared for future challenges.

The Importance of Active Participation

Active engagement in your investments is essential for limiting these risks and fostering financial resilience. By taking the time to know your investments inside and out, you gain valuable insights into their performance, costs, and alignment with your goals. This knowledge empowers you to ask the right questions, make informed decisions, and adapt your investment strategies as things change. Whether it’s reassessing your risk tolerance, reallocating assets, or exploring new opportunities, active participation allows you to stay agile and responsive in an ever-changing financial landscape.

The Benefits of Being Actively Engaged

The benefits of active engagement in investing extend far beyond mere financial returns. By actively participating in your investments, you gain experience and cultivate confidence in your financial decision-making. You gain a deeper understanding of financial principles, reducing anxiety and fostering a sense of control over your financial future. All of this builds resilience in the face of market volatility and changing circumstances. Moreover, active participation enables you to seize opportunities for growth and pursue your long-term financial goals with clarity and purpose.

While passive investing may offer a semblance of ease and convenience, it’s important to recognize the inherent risks it poses. By embracing active participation in your investments—knowing your investments, regularly assessing your portfolio, asking the right questions, and adapting your strategies—you empower yourself to navigate the complexities of the financial markets with confidence and resilience. Don’t settle for passive indifference; take charge of your financial future today and pave the way to freedom and prosperity.

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Align Your Investments with Your Beliefs: An Intro to Faith-Based Investing

Does your investment strategy honor your faith? Faith-based investing lets you put your money where your morals are, blending fiscal responsibility with ethical integrity. Jump ahead in this article to learn the nuts and bolts of choosing investments that align with your religious values, and to understand the unique challenges you might face in this morally attuned financial journey.

Key Takeaways

  • Faith-based investing involves creating a financial portfolio that is aligned with an individual’s religious, moral, and ethical beliefs, excluding companies engaged in practices contrary to those principles.
  • Investors dedicated to faith-based investing conduct thorough screenings of potential investments to ensure they align with moral and ethical values, resulting in unique portfolio compositions that reflect their religious convictions.
  • Despite the aim of reflecting one’s personal beliefs and goals, faith-based investing comes with its own set of challenges, including potential underperformance and market risks, necessitating regular reassessment of investment strategies.

The Essence of Faith-Based Investing

The intriguing concept of faith-based investing intertwines financial decisions with an individual’s religious, moral, and ethical sensibilities. Picture a world where your investment portfolio reflects not just your financial goals, but also your deeply held beliefs. It’s about making money while adhering to your religious principles, a concept that echoes the essence of faith-based investing.

The idea of exclusion is central to this investment strategy. Faith-based investors often steer clear of companies engaged in practices contrary to their religious principles, such as those profiting from:

  • tobacco
  • gambling
  • weapons
  • other areas deemed unethical or harmful

It’s not just about returns; it’s about being socially responsible and ethical in the process of socially responsible investing.

Aside from avoiding the ‘bad’ companies, faith-based investing also involves actively pursuing the ‘good’ ones. Companies that demonstrate a genuine concern for economic justice, corporate responsibility, and environmental protection are often preferred by faith-based investors. It’s about using your investment portfolio as a tool to bring about positive change, while still achieving high financial returns.

Whilst aiming for high returns, like any financial endeavor, faith-based investing also maintains a balance with adherence to religious convictions. It’s a careful dance between achieving financial success and staying true to one’s faith.

Despite its many merits, faith-based investing is not without criticism. Some argue that such investments may be overly optimistic about their moral purity and not sufficiently realistic about the moral ambiguity of the world. These critiques, however, do little to dampen the growing interest in faith-based investing.

Aligning Investments with Personal Values and Goals

A fundamental aspect of faith-based investing is aligning investments with personal values and goals, including values-based investing and sustainable investing. It’s about making your money work for you in a way that aligns with your core values, such as:

  • corporate governance
  • environmental sustainability
  • social justice
  • community development
  • personal conviction

It’s about using your money to voice your beliefs and support causes you care about.

Identifying these core values often marks the start of the journey towards faith-based investing. Once these values are defined, investors typically establish clear, measurable personal goals that reflect their faith and ethical preferences, such as funding education or retirement sustainably. 

However, formulating a faith-based investment strategy is a challenging task. Here is where investment professionals can significantly help. They can guide investors in finding socially responsible funds or money managers that align with their individual risk/return preferences as well as their spiritual beliefs.

Besides recommending faith-aligned investment products, financial advisors may utilize ESG (Environmental, Social, Governance) criteria to match these investments with the investor’s value. Keep in mind, however, that ESG criteria aren’t always a formula for proving an investment is more noble. In fact, according to this 2022 Harvard Business Review article, “they found that the companies in the ESG portfolios had worse compliance records for both labor and environmental rules. They also found that companies added to ESG portfolios did not subsequently improve compliance with labor or environmental regulations.” Because of this, it’s important to thoroughly vet the organizations you’re interested in investing in. Be careful to take ownership of your investments and do the research so you’re prepared to make the most informed decisions.

Navigating Challenges in Faith-Based Investing

Even with its many merits, faith-based investing comes with challenges. Some investors might view faith-based funds as potentially underperforming, considering them financially irresponsible or a poor reflection of stewardship, while others may worry they are just marketing schemes exploiting a weak conscience (think back to the Harvard Business Review we referenced earlier). Regardless of your opinion, it’s important to understand the potential pitfalls and how to navigate them effectively.

Similar to conventional investments, faith-based investments also acknowledge that investing involves risk, facing market volatility and risks including:

  • Economic downturns
  • Interest rate fluctuations
  • Government policy changes
  • Geopolitical tensions

The reality of navigating the challenges of faith-based investments is this: You need to ask the right questions, do thorough research, and only invest when you feel 100% comfortable and knowledgeable about the fund, product, or organization. There are many scams out there. Don’t let the passion you have for your faith cloud your judgment in analyzing your investments. 


Faith-based investing is a fascinating journey that seeks to harmonize financial success with religious convictions and moral values. It can create a financial strategy that not only meets your financial goals but also upholds your deeply held beliefs. While it comes with its share of challenges, the rewards of aligning your investments with your faith can be profoundly satisfying.

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Online Investing Classes: Your Guide to Smart Financial Education

Deciding on online investing classes can shape your financial future. Whether you aspire to grasp the basics or master advanced investment strategies, our guide helps you evaluate free versus paid courses, ensuring you choose the right path for your investment education.

Key Takeaways

  • Investing in education, whether free or paid, is crucial for new investors, with paid courses often offering advanced tools, real-time simulations, and expert guidance.
  • Educated investors are more likely to make informed decisions, manage risk effectively, and plan for future expenses, using the knowledge gained from investing courses to improve portfolio performance.
  • Continuous learning from online courses prepares investors for the ever-evolving financial market, and mentorship programs within these courses foster career development and academic success.

Free versus Paid Educational Pathways

The comparison between free and paid educational pathways is usually the initial consideration when exploring online investment courses. Free tutorials and online courses provide foundational knowledge for new investors. They offer a cost-effective way of understanding the basics of investing. Nevertheless, they often lack the personalized expert advice that paid online courses bring to the table.

The distinguishing feature of paid courses is the additional resources and tools they offer. Some of the benefits of paid courses include:

  • Advanced trading tools
  • Real-time market simulations
  • Up-to-date content reflecting the latest market trends
  • Comprehensive curriculum
  • Expert guidance

Objective Measure is an example of a resource that offers paid courses. This nonprofit organization is dedicated to teaching basic investment literacy, empowering you to become a confident, active participant in your investments.

Your education in investing will ultimately determine whether free or paid courses are more suitable for you.

Maximizing Returns Through Education

Successful investing is rooted in education. Developing the confidence to manage and enhance portfolio performance, particularly in unstable markets, hinges on it. With a solid understanding of various financial instruments, an investor can make informed investing decisions that align with their financial goals.

Moreover, investment education helps investors plan for future expenses. Understanding income strategies for retirement and smart saving practices for future costs, such as college tuition, is a crucial part of financial planning. Investment companies aid this educational journey by creating content that provides timely market perspectives and actionable investment tips, often guided by a certified financial planner.

From Theory to Practice: Applying Learned Strategies

Portfolio management can be directly impacted by the investment strategies gleaned from investing courses. These online courses provide essential lessons and tools that enhance an investor’s ability to qualify investment opportunities, manage risk, and diversify portfolios, all of which contribute to effective risk management.

These advanced strategies also facilitate the introduction of innovative ideas that could enhance the return on investment. Sharing insights and strategies learned from investment courses with a team can lead to improved approaches to portfolio diversification and client communication.

Continuous Learning: Staying Ahead in the Market

The financial sector, including the stock market, is marked by intense competition and constant evolution. Individuals equipped with comprehensive knowledge through lifelong learning are better prepared for future advancements and poised for success. Online courses offer the advantage of continuous education, helping investors stay updated with the latest market analysis and financial news.

Mentorship is another crucial component of education, leading to positive outcomes such as:

  • academic success
  • retention rates
  • health
  • motivation
  • career development

By focusing on education, investors can adopt high-impact, financially sustainable models and strategies that support investment growth.

Impact investing with a focus on education instructs investors on sustaining realistic outcomes and embracing a flexible understanding of success, which includes positive social and environmental impacts.


To wrap things up, online investing classes, whether free or paid, provide a valuable avenue for financial education. They help you understand the complexities of the financial market, apply learned strategies, and stay competitive in a rapidly evolving sector. Continuous learning through these courses and mentorship is a wise investment in your financial future.

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Build a Vibrant Financial Future: Why Engaged Investing is Better

Investing is daunting to many; it seems shrouded in mystery and uncertainty. Because of this, many individuals avoid investing, allowing fear to hold them back from securing their financial future. The truth is, though, that active engagement in investing can unlock relief, freedom, and empowerment. By embracing knowledge, practice, and personal experience, you can learn to navigate the world of investing with confidence, paving the way to your financial goals.

Financial Goals May Vary

Everyone has different financial objectives but ultimately, most of us want less fear and more freedom. That may look like early retirement, more travel, or paying for your grandchildren’s college education. How you reach these goals will vary just as much and will inevitably involve a wide variety of methods, but investing will be one of the strongest.

How to Start Engaging in Investing

Regardless of where you currently stand, or where you hope to someday be, fully participating in your investments will allow you to control your financial future. This doesn’t require a finance degree, only a willingness to learn. Start wherever you are right now; if you need to learn some Investment Essentials, we can help with that. Once you understand the basics, start investing! Practicing will provide the critical experience needed to develop confidence and resilience.

How to Engage Further with Your Investments

Once you know a bit about investing and have started collecting your own experience, you are ready to go a step further. Research new investment opportunities, understand how the market changes, and learn to recognize what impacts your investments. Maintain a balanced portfolio and regularly review your strategies, tailoring your investments to suit your changing needs and aspirations. By actively participating in your investments to a higher degree, you are empowered to make fully informed decisions and create your own financial future.

The Many Benefits of Engaged Investing

Engaged investing offers benefits that extend beyond financial gains. It instills confidence by equipping you to ask the right questions and make smart choices. Confidence breeds resilience, which enables you to weather market swings and avoid major mistakes. Finally, engaged investing fosters a deeper understanding of financial principles, reducing anxiety and expanding financial freedom. Through strategic and engaged investing, you can secure your future and give generously to those you care about.

Achieving your financial goals requires more than just passive participation; it demands active engagement and informed decision-making. By embracing the principles of engaged investing—learning, practicing, and adapting—you can build toward financial security and freedom. Take charge of your financial future today and watch as your investments pave the way to your dreams.

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The Three E’s Of Investing: Fundamentals for Your Future

At Objective Measure, our mission is to teach investment literacy and empower individuals to be active participants in their investments. The goal? For people to feel educated and engaged so that they can excel in life. When you are equipped with knowledge and actively participating in your investments, you are primed to excel in your financial goals. Join us as we review the “Three E’s of Investing” and give you the tools to enrich your life.


Investing starts with your time, not your money. Knowledge is the foundation of financial literacy and in order to grow and advance through the process, you must be willing to learn. There are many components that make up the basics of personal finance; from budgeting to saving, and emergency planning to vacation planning, it’s important to establish the groundwork of financial knowledge to plan for the future.

Beyond personal finance, there is a deeper level of financial education available: investments. This can be a difficult progression with its new jargon and challenging topics like financial markets, assets, interest, and risk management. Many people feel intimidated trying to bridge the gap between personal finance and investing, but this is where you develop a deeper understanding of financial systems and how you can participate in them. Our Investment Essentials course was designed to introduce you to the basics of investing and give you the confidence needed to advance from apprehensive to engaged with your investments.


Plenty of people invest their money and leave it untouched for the next 20 to 40 years. However, through active participation in your investments, you can be informed and empowered to reach your goals. This means understanding your investments and asking the right questions every step of the way. Objective Measure aims to fully equip you to set goals, make decisions, and handle the inevitable changes that come throughout the journey. As you gain experience, you can tailor and adjust the rules to best fit your unique goals.

Engagement includes a variety of behaviors which will help you move with confidence. First, you should create a thorough plan, complete with goals, risk mitigation, time, and discipline. It’s important to actively participate in your plan: understanding how the markets are changing and how your investments are affected. Additionally, regular monitoring provides checkpoints for reviewing investment performance and costs.

Lastly, active participation does NOT mean you are always buying, selling or changing your investments – sometimes there is no change needed. But in order to understand when to do or not do, you must be diligently attentive to all of these factors.


The experience gained through education and engagement will give you the tools you need to excel in life. Investing can deeply enrich your life, but it all starts with a vision. What is the future you want to realize for yourself? By creating, pursuing, and achieving financial milestones, you gain access to the life you always dreamed of: one with countless opportunities for generosity, adventure, and financial freedom.

Another part of excelling is developing an earnest perspective for the process. Remember: investing is a marathon, not a sprint. You will make mistakes; they are impossible to avoid. It’s incredibly important to be patient and give yourself grace. Mistakes are learning opportunities that deepen our understanding. When you chase the vision, instead of the money, you create capacity for these learning experiences and leverage them for growth.

The 3 E’s are three major stages of financial development. Education is a time for curiosity, learning, and building confidence; it’s the necessary groundwork everyone must lay. Engagement is active participation, where experience expands and understanding evolves. And finally excelling is the enriched life you’ve been dreaming of; a season of freedom and abundance. Investing always involves risk, but with the three E’s of investing, you can increase success and achieve your ultimate vision.

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