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Online trading is the process of buying and selling financial securities, commodities and currencies through the Internet. In order to invest online investors need to exercise patience and use the right proprietary softwares provided by various brokers. Financial planning is the process of making informed investment decisions in order to secure your future. Financial planning helps to achieve financial goals and meet personal priorities, taking into consideration available resources, responsibilities, risk appetite and lifestyle. A financial plan lays down the allocation of savings across various asset classes to achieve an appropriate risk-reward balance. Technical analysis is based on the premise that price discounts every aspect and information in the market. Technical analysis is also based on the belief that price movements are never completely arbitrary and follow a trend. A technical analyst believes that it is possible to identify an ongoing trend, investment based on the trend and generate profits as the trend unfolds. Unlike for equities, there is no exchange for bond trading, which mostly takes place in an 'over-the-counter' market. The exceptions for this are certain corporate bonds, particularly in the US, that are listed on an exchange. A share of an ETF can be obtained or redeemed directly from fund managers only by large institutional investors. Such institutional investors are also called authorized participants.