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Traded Funds and Gold Mutual Funds

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There are several ways to invest in gold for retirement. Investments in exchange traded funds (ETFs) is becoming more popular. Investment funds have become a very familiar financial instrument. Even novice investors are aware. Both types of investments offer much comfort. Although they differ in important respects.

Gold Exchange Traded Funds

Exchange traded funds (ETFs) are a popular investment vehicle. Typically, ETFs are a collection or a basket of funds that follow a market index especially together. They are traded like individual stocks and are traded on major markets. Financial instruments which the ETF is known at the time of purchase.

Gold ETFs are of two kinds: the first type of physical gold, the second type invests in futures contracts. Since the first type of physical gold should the price of the ETF closing spot price of gold. The spot is the price for immediate delivery, ie in a few days.

But because of the phenomena on the futures market as contango and backwardation, the second type of ETF is not always exactly follow the spot price of gold. In the futures market when prices progessively less distant delivery months, it is called backwardation. Contango is the current situation in the distant delivery months are progressively higher prices.

INVESTMENT FUND GOLD

Gold mutual funds are a basket or a pool of shares of companies in mining, processing or distribution of gold and other precious metals may also adopt those involved. The issuer of the securities may originate from anywhere in the world.

ETFs differ from mutual funds in several ways. First of all mutual funds are not traded on stock exchanges. These funds can be sold by banks, brokers or directly from the fund itself. Moreover, even if a bank sells a mutual fund, not FDIC insured not sure.

Each unit of a mutual fund represents the composition of stocks in the fund. Unlike ETFs, mutual fund orders can be filled only at the end of the day. The actual composition of the Fund may not be known other than quarterly. In case you want to get out of the box, you must redeem your shares with the Fund.

Gold mutual funds and ETFs

These two instruments facilitating the movement of gold prices to attend. And mostly, but not always, these liquid markets. Therefore, they are easy to get in and out as required.

Gold mutual funds have all the problems of the gold underlying stocks or precious metal mines. The quality of corporate governance, debt ratios, the cost of mining and the political landscape must all be considered. The mining of gold is not the movement of gold prices.

Buying an ETF means you buy a paper representation of gold. In the case of ETF covered with gold, gold can not be verified stores. There is a problem of trust there. And with a futures contract on ETFs, changes in the market can be devastating.

Closed End Fund

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Closed-end funds are a fund manager that the company is courting customers and created the possibility of exclusive membership. Customers tend to be large investors with portfolios. The pooling of large portfolios in a fund that provides fund managers with a lot of leverage when buying and selling stocks and preferred equity trading. Although such funds for flexibility on the part of the manager are identified, all investments in accordance with the Charter of the Fund by all owners of the camp are signed.

Because they are so exclusive, they are very different in style and form of mutual funds is well known. Mutual funds are open to all with virtually invest some savings, while closed-end funds are limited to large investors. Managers have considerable autonomy in investment that will maximize their buying and selling of electricity with quick decisions. Trust between management and the client is crucial when it comes to such huge investments.

The SEC U. S. or the Securities Exchange Commission look at the closed end of the three companies of investment companies, trusts and funds to manage the license. What company makes the closed end a little different is that it is listed on the stock exchange, unlike mutual funds that bought directly by the fund.

The fact that when the stocks mentioned are traded on the stock market and not directly with the Fund, as with other investment options in the companies listed closed-end funds in fact a kind of house stock that was both flexible and independent market as a whole. We must not forget that these funds are earmarked for long-term average fast and not for speculators to sell.

For this reason, these publicly traded companies at any time during the day and not at the end of the trading day. Trade in these funds is faster and more flexible than other means.

The value of a company closed-end fund is different from other funds has worked well. While in funds typical value depends almost exclusively on the value of assets and selling of closed end funds, there is also another factor, the premium or discount that the market places on the exchange. All that means a premium or discount is the difference between the actual value of the assets of the company and the stock price. If the difference is positive, we call it a bonus if there is a reduction negative.

One of the strengths of these companies is that they have a lot of leverage. You can focus on brokerage and investment power with the weight of huge portfolios that they return.

The special characteristics that make this medium so unique in a special way to measure the value and price of their shares. As mentioned above the value depends not only on the net, but the perceived value, the premium, or his evil twin brother, a discount if the difference between the value of the asset and the market price is negative. Interestingly, the value of the shares of closed-end funds are generally lower than the total assets of the Fund. This could be seen as a perfect investment, and many investors would agree with you. There are only two problems, you must have enough money for the club’s most exclusive, closed-end funds that form and join not to liquidate your shares until the funds happy. If you wind up early, you may be forced to sell at a loss.

Load Mutual Fund

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No-load fund is a specific type of investment is down and after I discussed a brief description of a mutual fund. A mutual fund is a pool of money from hundreds or even thousands of investors like you have gathered. Many people believe that this is one of the best investments you can make. The manager re-invests the collective pool of funds in equities, bonds and other securities. Usually it takes a thousand dollars or more to open a new investment. All gains, profits and dividends from investments are allocated pro rata among all investors or shareholders. A consultation fee is the investment decisions of managers has paid off. The beauty of this type of investment is that you can not decide what to research and invest in individual companies or securities, or try to determine when to sell portfolio securities. The manager does this mean for you. Moreover, the risk is diversified across many titles.

This type of investment is highly regulated by the federal government. Caution: As with any investment you may lose money you invest. The most common type of mutual fund is a no-load funds. This does not “load” or commission for you if you buy shares. Your money is invested directly in the mutual fund. You can directly use the shares of funds. Another type is a load fund, which is sold by brokers or consultants who advise investors what to buy and sell investments. You will receive a portion of the investment as a commission for acting as a seller. So, with that kind of not all of your investment will be directly invested in the securities portfolio.

I suggest you read the prospectus before investing. The prospectus is a document required entry that describes a variety of information, such as its investment objective and costs. You can also obtain a copy of the “Statement of Additional Information”, few people ask, ask. This is a document longer than in the prospectus, but it has much more detailed information, such as a description of the types of securities that can make the portfolio. One final note, be sure to compare the expense ratio of funds named in the Prospectus and compare them with other plants with similar objectives. What looks like a small difference in expenses can really add about 20-30 years and seem to have a significant impact on your returns.

How to Be Your Own Investor

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You must learn to decide how you made your own investor, but how can you start? What are the first steps should you take? The four main areas that you need to be focusing on trust, objectives, measures and patience.

Let’s deal first with confidence. You should know that the advice you are getting your financial goals are sound. If you watch and wonder how I can my financial goals, you must be sure that you do not risk your family’s resources unnecessarily large.

Where to start?

· A specific plan for how your own investors
· Goals how do I get my financial goals
· One day you want your goals
· A plan to achieve your goals

How does the retirement age 45 sounds? That’s exactly what I did, and you can, it’s just a matter of trust. Skeptics say that the financial gurus live in retirement, to the good life on book sales to investors neophytes, but we have earned our retirement investing by working hard and smart.

Ask yourself if the investment you plan to have been for many years? Are they tight? Above all, you can do at night to sleep, the risk of your investments?

You must be able to sleep soundly knowing the value of your investment is growing every day. To date, we have only two real investments, to find and meet these requirements. Too many of us to understand “The Next Big Thing” while smart investors buy investment wise decisions.

What are these investment choices that we followed in financial independence for our family? You will discover soon enough.

First, let us know how can I set my financial goals in conjunction with how you deal with your private dock.

Setting goals is a simple matter of choosing a number, date to achieve it, make a plan and take action on this front.

Their number must be accessible and credible. Our goal was financial independence, that neither my wife nor I would have to endure the 9-5 Jane again.

Our house would be paid, there would be thousands in the bank and adult children and their own, they were our goals. Well, that’s one of our children still at home (he is 15), but all of our other goals are met at the age of 45.

Ask yourself what is most important to you? Be sure your target is to eliminate the income or grow your savings.

That’s why we put the house on the top of the list. There is no better investment in your future, you could do, and it leads the list of our best investments, the ’2 ‘.

Each year, achievable goals that you set step in your long term goals and most importantly a time to reach them.

Be patient but persistent.

What is our recommended investment horizon of seconds?

First, we will tell you what it is not. Stay away from every dollar supports investment, and inflation is controlled either by a bank or government.

As we move into retirement at 45? With only invest in “real value” investments such as real estate, as we mentioned earlier, and also with gold. Now, not to frighten, investing in gold is really simple to understand.

We bought gold instead of paper investments, than gold. Gold holds its value and purchasing power, because it is not inflationary measures. Want to know why? And as you can down the road to begin your retirement?

Make a personal investor will get you started in the right direction, and you will quickly learn how I can set financial goals, and keep them, learning to be your own private dock.

Learn to make your own investment and how do I set financial goals is simply a matter of planning and patience, you can too.

Investing in Clean Energy

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Invest in clean energy or through the holdings of the green, green funds, creating your own company to invest in your own energy, or education is the best investment decision, you can do time. While we are in no investment adviser means that some just like Mr. Spock thought we got there.

The upside potential of this sector is enormous. If you define the potential market for these products, which are the same now with fossil fuels, we are a 3500000000000 $ a year to talk market. This is a market where even the smallest scraps can go on a retreat in the South Pacific, if you wish.

These renewable energy sources will replace the old traditional forms can be no doubt. The reserves that we are driving the production capacity and rising demand for energy exponentional of ourselves and emerging an already painful supply and demand.

The United States is totally dependent on a resource needs almost three times as much produce as he can. And energy needs of emerging economies are growing at a rate such that it is not as long as we first thought that most of the wells have run dry easily accessible to take. As a result, prices continue to rise.

Our dependence on fossil fuels, we have ourselves and our economy to thank again forces beyond our control.

Meanwhile, the renewable energy industry shows double-digit growth rates in the area. According to the International Atomic Energy pace is really impressive.

A quick breakdown of the annual growth in this sector

* Solar Energy 17%
* Tidal 13.2%
* Wind Energy by 11.7%
* Geothermal 4.7%

These are annual growth rates and thus compound interest, which means they rely on each other than interest on the money or debt. At first glance it might seem that the expansion of so-are not sustainable in the long run. If I challenge you to think again. Let’s do some calculations.

Today about 82% of our energy comes from the form of fossil fuels, about 6% of forms of clean energy, and the rest is generated by nuclear reactors. If we consider the growing energy demand, these figures indicate that in 2030 covered about 10 to 15% of our total energy needs with renewable energies.

Sales in the

An estimate of the current size of the alternative energy industry is hard to give. The Clean Energy Program Report 2007 Clean Edge estimates of total sales in the world at about $ 55 billion for 2006.

This is a strong increase of $ 40000000000 in 2005. Clean edge project the expected growth in the next ten years and is growing an average of 15.1% per year means that this market is currently 55.1 billion from 226 billion increase in 2016.

The fact that many venture capitalists are turning solar energy company does not mean that people with very strong nose to where his money is, that the arguments for investment in clean energy even further.

The world has shown time and time of upheaval, which have enormous opportunities, those who are willing, on the strategies of the ancient knowledge and a death trap for those who have not experienced look. A vinyl record or a successful business writer type, 1970, turned into a worthless collection of machines in the 80 ties.

Hardy an unknown company is worth investing in a decade transformed itself into the world’s largest manufacturer of software. And some guys who were dissatisfied with the search engine technology, the playing field has changed in a few years. And a decade ago no one had the heart to call the Google. Meaning, even if we do not so obvious that it does not mean that it is not.

Under the leadership line write this directory that we are not allowed to mention you all referring links to Clean Edge, National Agency for Energy and other sources in the article. For further research, we recommend you to our website or link on Google.

Investing is Too Risky

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Does this sound familiar? Is not it interesting that the common perception among the general public that the investment is too risky? What is even more interesting is that if you asked anyone in the class average or poor, how they thought their money would be the rich, almost all of them as “investments” in its response. So know that when the poor to the rich “Investors” are, then why the hell they think it’s too risky for them to be involved?

The answer is simple

People of all that they do not understand or frightened. “We fear change.” In the immortal words of Garth from Wayne World

Then I said: “Investing is not risky? Not at all, in fact, if you do not understand it or not appropriately educated investment is incredibly dangerous and risky. But the same can be said of almost all daily activities, will, we are told. As swimming, cross the road while driving, cycling, driving or even eat a chicken wing are – all these activities would be very dangerous if we had not learned or shown how well Fortunately for us, our parents took us to. swimming lessons when we were children, but unfortunately for us our parents never seemed to take our school instead of investing what is taught, what their parents taught them about money & Investing -. and was “necessary money to work hard to win”

Well, I will say that if you want to succeed financially and a master of creating wealth, you must contact us and learn from the shadow of your parents, that “Rich people do not work for the money, they leave their money to work. ”

I first introduced this concept in high school when I Rich Dad, Poor Dad “to read, but only a few years later that I really understood the concept of working with your money for you .

When I finished college, I decided wanted to travel the world for 6 months so I’m trying my ass off and began funding the trip. Although I am convinced that my ability to rescue in mind, I knew I was always on the money my father gave me last year. As a legacy beginning, he had $ 7k (plus $ 3k of my own money) invested in some stocks that I knew very little (except for the fact that if my “fund trips abroad in short, I went to a a backup plan).

To make a long story short, I managed to travel without the finest food in my grandfathers were part. But more importantly, when I was abroad, I met a fellow Australian travelers, financing his trip to the stock market exchange in Internet cafes throughout Europe (revenues between $ 5 – $ 15k per month) was. Needless to say my interest in the stock market suddenly grew, and when I got home, I decided to see how my own actions went.

Well, to my surprise, the $ 10,000 that was originally invested $ 16 000 has now grown up. So I had the whist climbing the Eiffel Tower and watched the northern lights in Norway, my money was at work. What has changed to an amazing and way of life!

So as you can learn from your money work for you?

Well, as I found this question difficult to answer, you might expect. Having learned my share of success, I could not help but say everyone I knew, but for some reason, nobody seemed to share my enthusiasm. Everyone says all could do was to “be careful, the stock market is very risky,” and she told me stories about how their nephews, cousins, a friend used all their money in the stock market is “lost. At that time, my head hurt, and I did not know who or what they believe Just recently a wide range of Kurek Ashley was who took the position that I found in perfect condition.:

“The most expensive advice you’ll ever get is free to poor people”

If you are interested, what does this quote really look able to understand why the average person believes that investing is too risky. It is simply because the typical “poor person of the middle class” gets advice from another “low to middle class” person. Surely this is a case of the blind leading the blind, or at best the blind leading the blind.

If your child wants to be a gymnast professional and you knew nothing about gymnastics, what would you do? Of course, you would be the best coach / school, and leave you, they teach your child. Now the same principle applies if you want to succeed financially. You need mentors, books, DVDs, seminars, nothing and no one to rely more on wealth creation as you by and by, you know your knowledge to find. Then finally, as a professional surfer surfs the waves, you can succeed let your money work for you rather than drowning in a sea of ??uncertainty and risk. As Warren Buffet once said: “The risk is not knowing what you do”

So you are now faced with few options

Do not invest, and spend the rest of your life, “for money”

Invest your hard earned money before you are properly trained, you will lose your savings and in turn to one of those who say all the others that “you do not invest, it’s too risky, the market steel, all I had ”

Or you can focus on investment strategies and techniques and learn how to build your confidence in a successful investor you are and let your money work for you.

So there are risks associated with investing? Yes, of course, there is, but like swimming, driving across the street, bike and drive a car, if you educate yourself, you can reduce these risks and in turn get to enjoy the wonderful benefits.

Online Trading Education

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The boom of the Internet has brought many benefits to the human race. The production and assimilation of information has never been faster, easier or more effective in our entire existence as a species. Today with the Internet, we can easily learn about any topic of interest, and this includes having a proper online trading education.

However, as with most other things in life, there is always a bad side to this benefit. Because the internet is open to everyone and anyone, bad people are constantly trying to use this medium to cheat us of our money. As such, we should be careful about where we get our trading education online, and so here are 2 quick tips to ensure that you don’t get scammed when investing in your online trading education.

Tip #1 – Reputation is King

The Internet is the perfect place for people to carry out unethical activities because they can easily hide behind the anonymity of being unidentified. Thus, be very careful about individuals or companies who don’t have a reputation for providing quality trading education. When in doubt, always look for an email address on the website where you can get your doubts and questions clarified and answered. Also, search for online reviews of people that have previously paid for it. You can learn a lot of by listening to the experiences of others who have been through the trading course.

Tip #2 – Too Good to be True is Bad

Always be wary of websites that claim to teach you how to make you lots of money overnight. When something sounds too good to be true… well, you know the rest. Trading can be a very lucrative source of income, but it takes a bit of time and effort.

Don’t let your natural human characteristic of greed cloud your critical judgment. When in doubt, search for online reviews and listen to the advice other people who have been through the trading course.

Investing in Money Market Cash Funds

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When it comes to investing your money, you’ll probably know by now that you have numerous options to choose from.

In fact, it can feel like a bit of a minefield and sometimes you may not know if you’ve made the right choice.

Should you choose a bond fund, equity fund, property fund or a money market cash fund? Or any other type of fund?

So, what is a Money Market fund?

They are essentially unit trusts that aim to provide investors with an income from risk-free, short-term cash and cash-like holdings.

Some investors have been selling their share funds and have opted for security by pouring millions into these types of funds. In our experience, this type of investor will tend not to have a proper risk assessed portfolio, rather a collection of disparate investments, and may be doing it all themselves.

The money manager of their choice will place this money into bank deposits, certificates of deposit*, very short-term fixed interest securities and floating rate notes**.

Most Money Market funds require relatively low minimum investments – typically around £500. They are also quite low-charging, typically with no initial charges and an annual management fee between 0.25% and 0.50%.

So, in short, these funds are cheap, accessible and low risk. In these turbulent investment times, what could be better?

However, if you are paying an annual fee for a Money Market fund, it would be reasonable to expect that the fund manager would beat the return available from conventional, high street savings accounts.

Unfortunately, most Money Market funds aren’t performing better than traditional savings accounts!

Just take a look at their track record performance:

1 year – 3.8%

5 Year – 15.7%

10 Year – 41.2%

Put simply, leading savings deposit accounts would do similar or better!

So what is going on here?

The problem is that some funds are taking more risk than others, which drags the averages down. Conventional Money Market funds invest in deposit accounts and short-term, high-quality debt. But, lately, some funds have taken to investing in riskier assets such as lower-grade corporate (company) debt and longer-term loans.

The idea of course is to generate a better return. The downside is that defaults are occurring more frequently and with less liquidity (yet another repercussion of the credit crunch).

As an example, one leading fund has actually produced a negative (-3.9%) return over a year. This is worrying, since these funds are supposed to protect your capital.

So, taking the scope of returns into account, these funds actually seem quite expensive in terms of running charges. What’s more, the investment strategy of some funds is hardly low-risk and consequently are all exposed to some degree of market volatility.

In addition, it is difficult to determine the quality of the debt instruments your money is being invested in. US Funds have been feeling the impact of the subprime debt crisis for some time now, with falling interest rates putting pressure on returns. So the question is; will it soon be a similar story in the UK?

Since there are a number of market-leading, easy access savings accounts that are paying interest rates of 6 – 6.5% without any market risk at all, then if you are going to invest in a Money Market Fund, on paper it may NOT be the best option for your money.

* Certificates of deposit = A time deposit (i.e. a deposit with a specified maturity) made at a bank which pays fixed or floating rates of interest. The lender receives a certificate that a deposit has been made which can then be sold in the secondary market whenever cash is needed.

** Floating Rate Notes = Bonds and other debt instruments that carry a variable (i.e. floating) rate of interest, usually linked to a reference rate such as the LIBOR.

# Source: Investment Management Association, IMA. March 2008.

The Financial Tips Bottom Line

We have written many articles on the folly of ‘jumping ship’ and having no clear investment philosophy.

It really can’t be stressed enough – be an investor, not a gambler.

ACTION POINT

If you have a Money Market Fund, review this urgently. Contact your planner or adviser, and ensure you are getting the most from your investments.

Investment Linked Policies

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Inflation recently has reached unfriendly rates. The meager interest returns in the banks thus subjected to high inflation rates have caused investors to start looking for new avenues to park their hard-earned or excessive cash. There are various ways to do that. The main ones are either lending investments or ownership investments. Lending investments include bonds, treasury bills. Ownership investments would cover small businesses and real estate as well as company stocks.

However, all these investments are not risk-immune. For lending instruments, if the company that you have lent your money to goes bankrupt, either all or part of the money will be lost in the process. Of course, not forgetting that climbing inflation rates may reduce the values of your lending purchases tremendously as the returns on these bonds or treasury bills are only slightly higher than the interests on the deposits in the banks.

Ownership investments like small businesses and real estate are still safer bets for investors. There is still a considerable amount of money to be made in these areas. Shares or stocks of a particular company become completely worthless if it closes down or is bankrupt. Furthermore, a myopic view on the investment of stocks may be detrimental for many, not forgetting the immense amounts of time and energy used to monitor the shares.

We are always looking for diversifications for our savings. Investment-linked policies are one of the safer avenues which also give higher returns than banks or bonds. They are described by some as the hybrid of hybrids between lending and ownership vehicles. It allows for diversification of savings. People who have savings earmarked for a longer period of time might consider this mode of savings. Investors either inject their savings at regular intervals or in a single lump sum. As nothing comes for free, a small part of the investor’s money will go into insurance. The balance, depending on the insurance company, goes into investments. Most insurance companies today will invest in mutual funds which are professionally managed, thus requiring no effort whatsoever on the investor’s part to monitor the performance of these funds, including buying or selling. Usually, the insurance companies have already picked out the “elite” funds from the vast jungle of funds. Currently, the main types of funds available in the market are money market, bond, stock, global, index or specialty funds.

Selecting the funds to invest will be much of a headache. Be sure to read the prospectuses and yearly reports of the funds. The funds’ investment objectives, performance history and costs will be summarized in the initial pages of the prospectus. Some advisors in mutual fund companies, when you require assistance, will be selling the funds which give them higher commissions. They will be encouraging these funds even if the returns are not as good. This differentiates the advisors in most insurance companies. Insurance advisors will not be pushing funds which pay them well as the commissions earned are from the policy itself, not the funds. Insurance advisors, who are savvy, will be recommending better funds. True enough, the advisors get paid commissions through the invested amount of customers, but there are companies which are giving the advisors commissions without using the money injected by the clients. There will instead be a lock down period of the money. The investment returns will thus be higher too as historically, the interest rate returns for investments, increases with the longer time period, as a hedge against market volatility. Since we are already at this topic, I shall let you in on a little tip. If all the funds’ performance seems to be good, divide the allocation of the funds equally. This process will usually pay dividends to investors’ wallets.

Other than the considerable returns that the funds invested will give, the policy, as mentioned earlier, provides the holder with insurance as well. This can be used as a guaranteed investment return because the amount of coverage would have been agreed upon, at the start.

As you may have already guessed, other than the insured amount, the returns on investments are not guaranteed. That is where the advice of the professional financial consultants will come into play. Unless there is a portfolio change, in the long term, the investor will be able to enjoy good dividends on her investments. For investments at regular intervals, dollar cost averaging (DCA) plays a very powerful part in ensuring good returns. In a nutshell, DCA means lowering the average cost of the funds over many years and getting good returns after the investors sell the funds after a number of years, not months.

To beat the ultra-low returns from banks, this is one of the best bet for investor’s money. In any case, inflation will also erode the value of money put away in a bank.

Financial markets will usually reward investors for accepting risks and uncertainty. Investors who are also willing to wait for a longer period of time will never be disappointed.

Investing through investment-linked policies is one of the better avenues to diversify your savings. Why not invest and pay yourself first? In the long term, you will be rewarded for your patience.

Investing Money

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There are golden rules to investing money sensibly intended to help any investor reduce their financial risks. In this article are three of those rules to investing which need to be applied as a whole. Remember, these rules are not in a particular order but all need to be followed to cut the risks.

Find The Balance Between Risk and Reward

Investment involves risk. Sometimes the risk is as great as losing all your money or it may be as small as getting little growth. Risk with foreign investment increases for a number of reasons, including lack of knowledge and poor advice. Risk can be broken down into two main categories. These are:

The risk of not achieving your targets: For example, the risk of not accumulating enough money for retirement is a high risk factor. Against this, the risk of not owning a Ferrari is not a major factor.

Investment risk: This means placing your money in an investment with the potential of making a fortune or losing a fortune.

There are many ways to reduce risk. If you make high-risk investments you should expect sound returns (while fearing the worst). In the end your investment risk tolerance should be based on whether you can sleep at night.

Don’t Be Greedy

This is a major problem with a lot of investors. Every year millions are lost by investors because they put their accumulated savings into what are essentially scams, promising guarantees on capital and extraordinary returns; or in extremely high-risk investments. Any guarantee of growth that seems to be out of the ordinary should be treated as such. You should stick to established brand names and financial services products that you understand. Investment is not a sprint to the finish post. It is a steady marathon.

Don’t Panic

Markets fluctuate. In 1998 when local and emerging stock markets around the world collapsed, many investors jumped out of their investments at or near the bottom of the markets into money market funds… and there stayed until after the record-breaking run on various Stock Exchanges around the world in 1999. If you have made sound, long-term investment decisions you should not be spooked by short-term fluctuations. Remember investment is for the medium and long term.