This article was originally published on Fool.com. All figures quoted in US dollars unless otherwise stated.

In July, analysts at Bank of America came out with a pretty sombre forecast for the S&P 500 through to the end of 2022. They revised their year-end target for the benchmark from 4,500 to 3,600 by the end of this year.

With the S&P 500 at 4,200 as of 25 August, that would mean it would drop another 14% by the end of the year, on top of the 12% it is already down. And the Nasdaq Composite is already in bear market territory, down about 20% year to date as of 25 August.

That's not to say Bank of America's forecast will be correct. The market could surge higher the rest of the year. But the uncertainty has caused many investors to sit on the sidelines and wait for the market to turn back north. It raises the question: Should you really be buying stocks right now? While it is prudent to be cautious, it is also smart to be opportunistic. Here's why.

Bad news can be good news

You have no doubt heard the famous Warren Buffett quip: "Be greedy when others are fearful and be fearful when others are greedy." That is easier said than done for the average investor, but the larger point is, down markets are a great time to find good, cheap stocks that will grow and flourish when the market does turn around.

As Buffett himself told The New York Times back in 2008: "Bad news is an investor's best friend. It lets you buy a slice of America's future at a marked-down price."

Some of Buffett's best and most lucrative purchases came in down markets. Buffett bought Berkshire Hathaway's second-largest current holding, Bank of America, in August 2011 when it was trading at around $6 per share. It is now trading at $35 per share -- even though it is down 21% year to date. Still, that investment has posted a 17% annualised return for Buffett.

Now, not all investors have the expertise or track record of Warren Buffett, but just as there was after the Great Recession, there are a lot of good stocks available at low valuations right now, if you know where to look.

What to look for

The first thing to know is that bear markets do not last as long as bull markets. According to an analysis by the Hartford Funds, the average bear market lasts about 289 days, or just over nine months, while the average bull market lasts about 991 days or 2.7 years. Further, stocks on average lose 36% during a bear market and gain 114% in a bull market.  

It is also worth noting that about half of the S&P 500's best days in the last 20 years occurred during a bear market, while another 34% occurred in the first two months of a bull market. So, there is indeed value in adding to your current or investing in new stocks.

But proceed cautiously, as there remains a lot of uncertainty out there. Your best bet is to find companies that have seen their valuations drop, as measured by price-to-earnings (P/E), price-to-book (P/B), or price-to-sales (P/S) ratios. Also, look for companies that are established in their industries or markets with a history of consistent earnings and revenue increases. 

Generally speaking, stocks that still have high valuations, a disproportionally high amount of debt, relatively little cash flow, high expenses, and a spotty history of profitability or earnings should raise red flags.

So, yes, you should be looking to invest in stocks right now, but proceed cautiously and do your research.

This article was originally published on Fool.com. All figures quoted in US dollars unless otherwise stated.

The post Should you really be buying stocks right now? appeared first on The Motley Fool Australia.

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Bank of America is an advertising partner of The Ascent, a Motley Fool company. Dave Kovaleski has no position in any of the stocks mentioned. The Motley Fool has positions in and recommends Berkshire Hathaway (B shares). The Motley Fool recommends the following options: long January 2023 $200 calls on Berkshire Hathaway (B shares), short January 2023 $200 puts on Berkshire Hathaway (B shares), and short January 2023 $265 calls on Berkshire Hathaway (B shares). The Motley Fool has a disclosure policy.

This article was originally published on Fool.com. All figures quoted in US dollars unless otherwise stated.

What happened

Nasdaq Inc. (NASDAQ: NDAQ), the company that owns the Nasdaq Composite Index and the Nasdaq Stock Exchange, had a better month than the index, according to S&P Global Market Intelligence. 

Nasdaq Inc. returned 18.6% in July, beating the S&P 500, which was up 9.1% for the month, and the Nasdaq Composite, which gained 12.4% in July. The company's stock is down 15% year to date as of today, beating the Nasdaq Composite, which is down 21% so far in 2022.

So what

The primary catalyst for Nasdaq in July was its second-quarter earnings report, which showed a 10% year-over-year gain in revenue to $1.5 billion and a 6% rise in net revenue to $893 million. In addition, adjusted earnings per share (EPS), taking out gains in the prior year from divestitures, was up 9% year over year to $2.07.

All four of its business segments saw revenue gains, led by Market Technology (solutions for institutional investors in trading and settlement, and financial-crime deterrence, among other areas), which was up 12%.

Corporate Platforms -- encompassing index listing services, as well as investor relations and ESG (environmental, social, governance) services -- was also up 12% year over year. 

The largest segment, Market Services, which includes revenue from trading on the exchange, was up 11%. Investment Intelligence, which generates revenue from market data and intelligence and licensing its indexes, saw an 8.5% spike in revenue year over year.

The growth of its businesses outside of Market Services gives Nasdaq not only multiple revenue streams and growth opportunities, but also diversity in the types of revenue it generates. The company has increased its amount of recurring revenue from subscriptions, particularly within the Market Technology segment, via its software-as-a-service (SaaS) offerings. Revenue from SaaS rose 12% year over year and makes up 35% of recurring revenue.

Now what

The other big driver for Nasdaq was the finalization of a planned 3-for-1 split. It was first announced in April, and in July it was approved. After Aug. 12, every shareholder will get two additional shares of the stock, currently about $177 per share, for each share they own. The new shares will be given out on Aug. 26, and the stock will begin trading at the new split-adjusted price on Aug. 29.

The idea is to make the stock more accessible to more investors at a lower entry price, thus boosting liquidity. The market reacted to the move with approval, as the price jumped sharply on the news when it came out on July 20. There are a bunch of high-profile stock splits coming on the Nasdaq exchange, and that is generally good for Nasdaq Inc. as it creates more trading activity. 

This article was originally published on Fool.com. All figures quoted in US dollars unless otherwise stated.

The post Why did the Nasdaq share price rocket 19% in July? appeared first on The Motley Fool Australia.

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Dave Kovaleski has no position in any of the stocks mentioned. The Motley Fool Australia’s parent company Motley Fool Holdings Inc. has recommended Nasdaq. The Motley Fool Australia has no position in any of the stocks mentioned. The Motley Fool has a disclosure policy. This article contains general investment advice only (under AFSL 400691). Authorised by Scott Phillips. 

This article was originally published on Fool.com. All figures quoted in US dollars unless otherwise stated.

You may be looking at your portfolio's performance over the past eight months or so and scratching your head, wondering when the pain will end. But when you are investing for retirement or some other goal down the road, it is imperative to understand the power of a long-term investment strategy.

There have been 27 bear markets since 1929, with a bear market defined as the market declining 20% or more during a specific time period. There have also been 27 bull markets since 1929, and they last much longer -- about 2.7 years on average compared to less than 10 months for bear markets. 

Furthermore, stocks lose on average about 36% during bear markets and gain 114% during bull markets. So this just shows that the odds are in your favor over the long run. Also, bear markets are typically a good time to buy, as you can invest in high-quality, established growth companies at discounted prices. With that in mind, let's take a look at how a $10,000 investment right now could turn into more than $300,000 over time.

There have been five bear markets in the past 20 years

For the purpose of this hypothetical, let's go back 20 years and see how much a $10,000 investment in the Nasdaq 100 would have yielded. In that time, there have been five bear markets -- in 2002, 2008, 2009, 2020, and 2022.

The Nasdaq 100 is a growth-oriented index that includes the 100 largest stocks on the Nasdaq exchange, except financial stocks. The index is heavily skewed toward technology stocks -- since they have generally been the largest and fastest growing -- and is often considered a bellwether for the performance of the technology sector.

The Nasdaq 100 would be a great index to invest in, because growth stocks have outperformed value stocks over the long term, and technology stocks in particular have been the best-performing sector over time. With a long time horizon ahead of you, you can ride out bear markets and generate excellent returns. 

The best way to tap into the Nasdaq 100 would be through an exchange-traded fund (ETF). And one of the most popular ETFs over the past 20 years is the Invesco QQQ (NASDAQ: QQQ), which tracks the Nasdaq 100. 

So back to our hypothetical -- if you'd invested $10,000 in the QQQ back on July 22, 2002, you would have invested in the middle of a bear market -- one that didn't end until Oct. 2002. Sound familiar?

Through it all, a $10,000 investment would net $300,000

From July 22, 2002, until today, the QQQ has posted an annualized return of 13.6%. If you'd invested $10,000 in the QQQ 20 years ago, and contributed $125 per month to that fund, you would have about $303,000 right now.

Keep in mind, that performance is through five bear markets, including the one we are currently in. This preceding 20-year period is particularly relevant now, because the investment would have started in the midst of a bear market.

Now, you know the disclaimer: Past performance is not indicative of future results, and there is no guarantee that an investment in the Nasdaq 100 will return 13.6% over the next 20 years. But history is indeed a useful guide to understand that volatility and down markets are a fact of life -- and patience has typically been rewarded. 

This article was originally published on Fool.com. All figures quoted in US dollars unless otherwise stated.

The post Investing in the stock market could turn $10,000 into $300,000. Here's how appeared first on The Motley Fool Australia.

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Dave Kovaleski has no position in any of the stocks mentioned. The Motley Fool Australia’s parent company Motley Fool Holdings Inc. has no position in any of the stocks mentioned. The Motley Fool Australia has no position in any of the stocks mentioned. The Motley Fool has a disclosure policy. This article contains general investment advice only (under AFSL 400691). Authorised by Scott Phillips.

This article was originally published on Fool.com. All figures quoted in US dollars unless otherwise stated.

There are about 724 billionaires in the U.S., according to Forbes, and more than 2,700 globally. They come from various backgrounds and made their fortunes in various ways. But when you look at their attitudes and behaviors as a whole, there are some traits many of them have in common.

While few of us will ever become billionaires, it may be helpful to know what some of those common traits are to prepare for our own journey to success and financial independence. Here are three key things that billionaires do that many of us don't, in the words of the billionaires themselves.

1. They're frugal

"Do not save what is left after spending, but spend what is left after saving," Berkshire Hathaway Chairman and Chief Executive Officer Warren Buffett once said. This quote encapsulates a mindset that helped Buffett become one of the world's richest men. You've heard the stories -- Buffett eats at McDonald's, lives in the same house he bought in Omaha in 1958 for $31,500, buys used cars, and used a cheap flip phone until a couple of years ago.

But these are habits that allowed him to save more and invest more, which drove his wealth. He's not alone among frugal billionaires. Microsoft co-founder Bill Gates, who admitted a few years ago to wearing a $10 watch, said his frugal habits were ingrained in him as a young man. "My 20-year-old self is so disgusted with my current self. You know, I was sure I would never fly anything but coach and you know, now I have a plane," Gates said a couple of years ago, reflecting upon the frugality that made him what he is today.

And Jeff Bezos, founder, former CEO, and executive chair at Amazon, said frugality, for him, was the mother of innovation. "I think frugality drives innovation, just like other constraints do. One of the only ways to get out of a tight box is to invent your way out."

2. They think big

"Life can be so much broader, once you discover one simple fact, and that is that everything around you that you call 'life' was made up by people who were no smarter than you. And you can change it, you can influence it, you can build your own things that other people can use. Once you learn that, you'll never be the same again," said the late Steve Jobs, founder of Apple.

Jobs lived this, changing the world with his innovations at Apple. Now, this doesn't mean we have to go out and invent the next world-changing technology, but experts say that most billionaires think big and aren't deterred in their endeavors by perceived constraints, whether that's their education level or something else. Obviously, a lot of hard work and strategic thinking goes into being successful in any venture, but it all starts with having that positive mindset and thinking big, as Jobs described.

Or, as Henry Ford, founder of automaker Ford once said, "If you think you can do a thing or think you can't do a thing, you're right."

3. They're not afraid to fail

"My dad encouraged us to fail. Growing up, he would ask us what we failed at that week. If we didn't have something, he would be disappointed. It changed my mindset at an early age that failure is not the outcome, failure is not trying. Don't be afraid to fail," said Sara Blakely, founder of hosiery and women's underwear brand Spanx, who, in 2012, became the world's youngest, self-made female billionaire.

This philosophy, ingrained in her at a young age, constantly pushed her out of her comfort zone to take on new challenges and risks. Many people avoid actions or activities for fear of failure, but Blakely said that not being afraid to "fail" allowed her the freedom to constantly try new things until she hit on that billion-dollar idea. It helped her avoid the true failure of not trying.

One thing you have in common with billionaires

These are just a few common traits but, certainly, much more goes into becoming wealthy and successful. But it's really not about becoming a billionaire -- it's about being successful in however you define success. Many billionaires say they weren't motivated by money, but rather it was an outgrowth of their passion and purpose.

As for the one thing we all have in common, Richard Branson, founder of Virgin Galactic, among other ventures, said it best: "One thing is certain in business, you and everyone around you will make mistakes." But it is from those mistakes, whether it is in business or investing, that you learn, adapt, and create new opportunities for success.

This article was originally published on Fool.com. All figures quoted in US dollars unless otherwise stated.

The post 3 differences between you and billionaires, and 1 thing you have in common appeared first on The Motley Fool Australia.

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John Mackey, CEO of Whole Foods Market, an Amazon subsidiary, is a member of The Motley Fool’s board of directors. Dave Kovaleski owns Ford. The Motley Fool owns and recommends Amazon, Apple, Berkshire Hathaway (B shares), and Microsoft. The Motley Fool recommends the following options: long January 2023 $200 calls on Berkshire Hathaway (B shares), long March 2023 $120 calls on Apple, short January 2023 $200 puts on Berkshire Hathaway (B shares), short January 2023 $265 calls on Berkshire Hathaway (B shares), and short March 2023 $130 calls on Apple. The Motley Fool has a disclosure policy. This article contains general investment advice only (under AFSL 400691). Authorised by Bruce Jackson.

This article was originally published on Fool.com. All figures quoted in US dollars unless otherwise stated.

In the past few years, investing in the stock market has become easier and cheaper due to the rise of online brokerages like Robinhood Markets and commission-free investing, as many brokerages have eliminated the fees that were charged for making trades.

It's also become more accessible to a broader range of investors through the introduction of fractional shares investing. This concept, which some brokerages call "stock slices" or "stocks by the slice," allows people to buy fractions of a share as opposed to the whole stock. This enables investors with limited funds to invest in some of the most popular stocks on the market, like Microsoft (NASDAQ: MSFT), even if they are offered at prices that some would normally consider to be out of reach.

NBA 2K22 or Microsoft?

As measured by valuation, Microsoft is the third-largest company in the world with a market cap of over $1.8 trillion. Its stock currently trades at $301 per share, meaning it costs that much to buy just one share of the technology giant. The stock price was up about 35% year-to-date through Sept. 1, and over the last three years it has almost tripled in value. In September 2018, you could have bought shares of Microsoft for about $108 per share.

Microsoft, of course, owns the video gaming brand Xbox. Next week, Xbox comes out with the latest edition of one of its more enduring and popular games, NBA 2K, which simulates the NBA professional basketball league. On Sept. 10, Xbox will release NBA 2K22, an eagerly anticipated simulation of the upcoming NBA season. The game will be sold at GameStop and other retailers for $59.99, with a special 75th anniversary of the NBA edition going for $99.99.

Millions of fans of the NBA 2K series will plunk down either $60 or $100 on Sept. 10 to play the latest edition of this game, which includes updates of all the current players, including rookies, and their teams. Those more interested in the game maker than the game might instead invest that money in Microsoft. Here's how.

A slice of Microsoft, for a fraction of the cost

Fractional shares, or stock slices depending on which brokerage you use, let you invest basically any dollar amount you want, regardless of the share price. So, if Microsoft is trading at $301 per share, that may be too expensive for some investors to buy a few shares, particularly those starting out. Just three shares of Microsoft at that price will cost over $900.

But for the cost of NBA 2K22, or the special edition, you could invest in Microsoft by buying fractional shares. This is also known as dollar-based investing, meaning you invest any dollar amount you want, and it buys whatever fraction of the share that represents. So a $60 investment in Microsoft through this method would buy you roughly 20% of one share of Microsoft. The beauty of it is, your returns match the returns for the entire share -- so if Microsoft's stock price goes up 35% this year, your fractional share appreciates at the same rate.

You could use that $60 to buy a few shares of a much lower-priced stock, but you may be taking more of a chance on a stock that's less established and not a market leader and one of the most successful companies in history, like Microsoft. Consider its consistency -- over the last 10 years, Microsoft has averaged a nearly 28% increase in annual earnings.

So, before you put down that $60 for the latest edition of NBA 2K, consider putting that money into fractional shares of Microsoft. Plus, if you wait a few months, the price of NBA 2K22 will drop or you can buy it used for less -- making this investment alternative a bigger potential win-win. 

This article was originally published on Fool.com. All figures quoted in US dollars unless otherwise stated.

The post How to invest in Microsoft for less than the cost of "NBA 2K22" appeared first on The Motley Fool Australia.

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Dave Kovaleski has no position in any of the stocks mentioned. Teresa Kersten, an employee of LinkedIn, a Microsoft subsidiary, is a member of The Motley Fool’s board of directors. The Motley Fool Australia’s parent company Motley Fool Holdings Inc. owns shares of and has recommended Microsoft. The Motley Fool Australia has no position in any of the stocks mentioned. The Motley Fool has a disclosure policy. This article contains general investment advice only (under AFSL 400691). Authorised by Bruce Jackson.

This article was originally published on Fool.com. All figures quoted in US dollars unless otherwise stated.

Mastercard (NYSE: MA) was trading higher Thursday as the company posted earnings that beat analysts' estimates in the fourth quarter.

Net income was down about 15% in the quarter year over year to $1.8 billion, or $1.78 per share. Analysts anticipated a steeper decline in income, but consumer spending was higher than expected.

Net revenue was down 7% in the quarter to $4.1 billion. Specifically, the drop was due to a sharp decrease in cross-border volume, which was down 29% from the previous year's quarter. This is largely a result of the decline in travel spending during the pandemic.

However, gross dollar volume, the total amount of purchases made with Mastercard-branded cards, was up 1% year over year. Also, switched transactions fees, which cover clearing and settlement, were up 4%. These two numbers were higher than expected.

CEO Michael Miebach said: "During the quarter, we expanded key partnerships around the globe, and our acquisition of Finicity added to our Open Banking portfolio. We are encouraged by the availability of effective vaccines, and we remain focused on the innovations that will enrich the digital experience, strengthen security and trust, and enable choice through our multi-rail platform, all of which position us well for the future." 

For the full year 2020, Mastercard reported that net income was down 21% to $6.4 billion compared to 2019, while revenue was down 9% to $15.3 billion. Operating expenses were flat for the year, while the operating margin was down 4.4 basis points but was still a robust 52.8%.

Despite the difficult environment, Mastercard stock returned 19% in 2020, beating the S&P 500. The credit card company should be in good position for a solid 2021 as the pandemic and recession recede.

This article was originally published on Fool.com. All figures quoted in US dollars unless otherwise stated.

The post Mastercard stock moves up on fourth-quarter earnings appeared first on The Motley Fool Australia.

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Dave Kovaleski has no position in any of the stocks mentioned. The Motley Fool Australia's parent company Motley Fool Holdings Inc. owns shares of and recommends Mastercard. The Motley Fool Australia has recommended Mastercard. The Motley Fool has a disclosure policy. This article contains general investment advice only (under AFSL 400691). Authorised by Bruce Jackson.

This article was originally published on Fool.com. All figures quoted in US dollars unless otherwise stated.

Visa Inc (NYSE: V) this week announced that it is officially rolling out its Tap to Phone contactless payment app in 15 markets, with plans to expand to the U.S. and other markets.

Tap to Phone provides point-of-sale terminals without any additional hardware. Sellers download the Tap to Phone app on their Android smartphones or tablets, and they can start accepting contactless payments from buyers who just tap their Visa cards to the merchants' phone. Transactions are protected through EMV chip-based security.

This follows a successful pilot program that was launched earlier this year with Samsung.

Currently, the technology is available in various countries in Europe, the Middle East, Africa, the Asia-Pacific region, and Latin America, as well as Belarus, Malaysia, Peru, Russia, and South Africa. Upcoming launches are planned in Brazil, Italy, the United Arab Emirates, and the United Kingdom. The plan is to roll it out in the U.S. in 2021.

Fewer than 10% of the 180 million micro and small merchants (MSMs) around the world can accept digital payments. And a survey by Visa showed that 63% of MSMs said they would likely implement Tap to Phone for their own businesses, while approximately 50% of consumers said they would use it if offered. Visa expects this service to close that gap.

Mary Kay Bowman, global head of buyer and seller solutions at Visa, said: "With billions of phones around the world at the ready, the opportunity that comes with lighting them up as payment acceptance devices is enormous. Visa Tap to Phone could be one of the most profound ways to reinvent the physical shopping experience."

The use of tap-to-pay technology has spike 40% this year due to the pandemic and social distancing, according to Visa. A recent survey by the company found that 48% of consumers said they would not shop at a store that only had payment methods that require contact.

This article was originally published on Fool.com. All figures quoted in US dollars unless otherwise stated.

The post Visa rolls out Tap-to-Phone contactless technology appeared first on The Motley Fool Australia.

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Dave Kovaleski has no position in any of the stocks mentioned. The Motley Fool Australia's parent company Motley Fool Holdings Inc. owns shares of and recommends Visa. The Motley Fool Australia has no position in any of the stocks mentioned. We Fools may not all hold the same opinions, but we all believe that considering a diverse range of insights makes us better investors. The Motley Fool has a disclosure policy. This article contains general investment advice only (under AFSL 400691). Authorised by Scott Phillips.

This article was originally published on Fool.com. All figures quoted in US dollars unless otherwise stated.

The COVID-19 pandemic has affected the markets and economy like few single events in recent history. Everything changed after the pandemic hit – markets turned from bull to bear, entire industries were obliterated, millions of jobs were lost, and the United States plunged into recession. Of course, that all takes a backseat to the devastating health effects and tragic loss of life it has caused.

It came upon Americans so fast and so furiously that few had time to process the financial implications. But roughly six months later, people have had time to reflect, and there is one major regret. A new survey by Allianz revealed that 52% of Americans regret not having more of their savings protected from market loss.

While the market did bounce back and recover all of the losses within the next six months, the US remains in a recession and there are concerns about a tech bubble or another crash. Investors who are concerned about more volatility in these uncertain times should take this opportunity to review their portfolios, while keeping one key point: that markets have always bounced back to produce strong performance in the long run.

Long-term, the numbers are on your side

The type of volatility we saw this past spring is a hard thing to stomach for many investors watching their portfolios drop 30%, 40%, 50%, or more in the span of weeks. But it provided a great example of why it is so important to ignore short-term fluctuations and stay focused on the long term. From the low on March 23, the S&P 500 Index (INDEXSP: .INX) has gained back all of its losses and then some – as it's now up about 6% year to date. If you sold out of some stocks or investments at the bottom, you locked in your losses and never got the returns back.

The fact is, the markets, over the long term, have been remarkably resilient. Over the last 10 years through to 8 October, the S&P 500 has an average annual return of 11.6% – that, of course, includes the COVID-19 crash. If you want to look really long-term, the S&P 500 has posted an average annual return of 8.4% over the past 30 years through 8 October.

Now, if you are in retirement or have a shorter time horizon for whatever reason or goal (college payments, for example), the short-term volatility becomes more of a concern. Your time horizon would affect your asset allocation. Whereas someone who's 10 or more years out from their goals can ride it out, people with a time horizon of five years or less may want to allocate their assets accordingly to add more safety and stability.

Reassess your investments 

The market crash wasn't the only thing that happened when the pandemic hit – its impacts went much deeper than that. The shutdowns were temporary, but the effect on certain industries was much longer-term. Restaurants are still affected by social distancing protocols, as are movie theaters, airlines, retail stores, hotels, theme parks, and entertainment venues, to name a few. Banks are looking at interest rates in the 0% range through 2023, according to the Federal Reserve. On the other hand, social distancing and the pandemic in general have accelerated e-commerce and the companies that operate within it, as well as companies that produce technology that allows us to live and work in this new normal.

In other words, the pandemic has facilitated longer-term societal shifts. So, as an investor, it is a good time to reassess your portfolio with a macro view of the markets. Know which industries are growing and which are more resistant to a recession, but also be aware of those spaces that could suffer longer-term effects. Which stocks you invest in always comes down to a granular look at the company, but having an awareness of the larger macro forces will better inform your choices.

If you keep these ideas in mind, you'll likely have fewer financial regrets.

This article was originally published on Fool.com. All figures quoted in US dollars unless otherwise stated.

The post What is the biggest financial regret since the pandemic? appeared first on The Motley Fool Australia.

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The Motley Fool Australia has no position in any of the stocks mentioned. We Fools may not all hold the same opinions, but we all believe that considering a diverse range of insights makes us better investors. The Motley Fool has a disclosure policy. This article contains general investment advice only (under AFSL 400691). Authorised by Scott Phillips.