WALK INTO ANY casino, and the first thing you will do is exchange your hard-earned hundreds for a pile of worthless plastic chips. It’s a distraction meant to insure that, as you gamble, you aren’t paying too much attention to the dollar amount being won or lost.

And while traders aren’t gamblers per se, a similar thing happens in the market. In the real world, cash is a scarce and valuable commodity. But once the check is written and sent to Schwab, hard-earned money becomes, at least in our minds, a stack of chips, ready to be anted up at the nearest table.

And when a click or keystroke can mean thousands of dollars, a fully funded brokerage account feels like Harrah’s on your hard drive. From the craps table to Comverse Technology (CMVT), it’s much easier to lose big money when you’re not thinking about the money.

So no matter at what level you play the game, you’ve got to get in the habit of keeping it real. In my experience, the best traders aren’t gun-slinging gamblers, but pragmatic realists. They’re better at seeing the world the way it is rather then the way they’d like it to be. (more…)

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Tradecraft – Give Your Cash Some Flash

OK, CASH MANAGEMENT doesn’t exactly match the adrenaline high of trading stocks. But managing your cash holdings is a challenging discipline, and a prudent and profitable way to get market experience with considerably less risk. It’s also a lot of fun — especially for less-capitalized traders who can’t afford to play in the majors just yet.

For many of us, cash comes in the form of a money-market account, usually either linked to a brokerage account, bought from a mutual-fund company or sold by a bank. Only bank-sold money-market funds come with FDIC insurance, but all suit the same general investment goals: safety and high liquidity. They are essentially savings accounts — and they’re more for peace of mind than for profit. The problem with money-market accounts is that, in exchange for liquidity and protection of principle, we forfeit the higher returns that come along with even slightly more risky investments. For example, E*Trade Group’s (ET) money fund currently yields 3.7%. Fidelity’s is in the high 2% range. Not exactly champagne wishes and caviar dreams.

But with sound cash management, you can do better. You manage a cash portfolio just as you do a stock portfolio. Using appropriate position size, money management and risk controls, you can improve results with only marginally higher levels of risk. (more…)

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