German Stocks Fall; BMW, Hochtief Shares Drop as Deutsche Boerse: Advanceshypo venture capital

http://www.bloomberg.com/news/2011-04-10/air-berlin-hannover-re-metro-siemens-german-equity-preview.htmlGerman stocks retreated, led by declining automakers, after another earthquake struck Japan, shaking buildings in Tokyo.
Daimler AG (DAI) and Bayerische Motoren Werke AG (BMW), the world’s largest makers of luxury cars, dropped more than 2 percent as Credit Suisse Group AG downgraded the industry. Hochtief AG (HOT) plunged 9.5 percent as the builder said profit may fall about 50 percent this year. Deutsche Boerse AG (DB1) rose 0.9 percent after the NYSE Euronext board unanimously rejected a rival approach from Nasdaq OMX Group Inc. and IntercontinentalExchange Inc.
The benchmark DAX Index (DAX) slipped 0.2 percent to 7,204.86 at the 5:30 p.m. close in Frankfurt, retreated from a one-month high. The gauge has climbed 11 percent from this year’s low on March 16 as investors speculated that the global economic recovery will withstand Japan’s March 11 quake, the biggest on record, and popular revolts in the Middle East and north Africa. The broader HDAX Index (HDAX) dropped 0.3 percent today.
“The DAX is trading lower after Credit Suisse turned more cautious on automakers and downgraded Daimler, which also impacted the performance of BMW and Volkswagen,” said Anita Paluch, a sales trader at ETX Capital in London. “The lurking nervousness has come however to the fore as fresh news emerged about another earthquake hitting Japan, causing markets to react negatively.”

Japan Quake

The DAX earlier slid as much as 0.8 percent after a 6.6- magnitude earthquake hit Japan about 60 kilometers (37 miles) from Tokyo Electric Power Co.’s stricken nuclear power plant, prompting a tsunami warning and shaking buildings in the country’s capital.
The quake struck at 5:16 p.m. local time 38 kilometers west of Iwaki and 163 kilometers from Tokyo at a depth of 10 kilometers, according to the U.S. Geological Survey. USGS revised the magnitude down from 7.1 earlier.
Daimler slumped 2.7 percent to 50.65 euros as Credit Suisse Group AG downgraded the stock to “neutral” from “outperform.” BMW slid 2.5 percent to 57.10 euros, while Volkswagen AG, Europe’s largest carmaker, declined 1.4 percent to 110.45 euros.
Credit Suisse also downgraded auto-industry shares to “benchmark,” saying it’s cautious on stocks that are more reliant on economic growth. The China Association of Automobile Manufacturers said sales may grow at a slower pace than previously forecast this year.
Hochtief tumbled 9.5 percent to 62.26 euros, the biggest drop in two years, after its Australian unit predicted a loss and announced a A$757 million ($800 million) stock sale. Germany’s largest listed builder said it will take up its full allotment in Leighton Holdings Ltd.’s share sale.
Deutsche Boerse Rises
Deutsche Boerse gained 0.9 percent to 54.93 euros, the highest price in a month. NYSE Euronext yesterday reaffirmed its $9.67 billion agreement with Deutsche Boerse for the Frankfurt- based exchange to buy the operator of the New York Stock Exchange. NYSE said Deutsche Boerse’s offer will create more value and has a greater likelihood of winning regulatory approval.
Deutsche Boerse doesn’t plan to raise its offer for NYSE Euronext, according to three people familiar with the matter. The Frankfurt-based exchange operator is confident it can close the transaction in the fourth quarter, said the people, who declined to be identified because talks are confidential.
Roth & Rau AG (R8R), a maker of solar-cell production equipment, surged 13 percent to 22.30 euros, the biggest gain since 2008, after Meyer Burger Technology AG agreed to buy the German company for 357 million euros ($516 million).

Hypo Venture Capital Zurich Balanced Investment Strategies

http://www.widepr.com/press_release/12305/hypo_venture_capital_zurich_balanced_investment_strategies.html

Balanced investment strategy is perhaps the most followed and successful investment strategy for portfolio management.

Balanced investment strategy is perhaps the most followed and successful investment strategy for portfolio management. Its primary aim is to keep a balance between investment risk and return. A balanced investment strategy combines the merit of aggressive and defensive investing strategies.
Here at Hypo Venture Capital Zurich, Switzerland we are committed to offering our clients access to the latest and broadest range of financial services and products on the market. We know that choosing the right strategy, the right investment and the right product is no easy task in this day and age! Whether its advice, investments or financial planning we are here to answer all your questions and facilitate all your financial needs.
Aggressive investment strategy involves investing in high return high risk investments with the sole purpose of maximizing return from investments. It involves allocating major portion of portfolio capital to invest in equities, equity based funds and highly volatile markets. Investors following aggressive investment strategy often look for comparatively short-term profiting and wish to invest more in growth stocks, and small caps and mid cap stocks. Advantages of aggressive investing include quick profit, high return over investment and no need of large portfolio capital. It can work really well for experienced investors and investors who are very strict in their money management. Disadvantages include high risk, high volatility in total portfolio value and no surety of profit. It less supports novice investors and investor looking for monthly earnings or living costs.
Defensive investment strategy is just opposite of aggressive investment; it’s purpose is to preserve the capital and ensure some return from investments. It involves investing in low profit low risk investments like bonds, money market funds, treasury notes, and equities with minimum price volatility and good dividends. Defensive investors look for long-term profits and/or monthly earnings. Advantages of defensive investment strategy include reduced risk, predictable income, better investment planning and diversification of portfolio. This strategy mainly suits beginners. Disadvantages include low return from investments and requirement of high capital investments.
In balanced investment strategy, the investor tries to keep a balance between his aggressive and defensive behaviors. It involves balancing of both return and risk by diversifying investments in both high return high risk and low return low risk investments. Balanced investors often follow a portfolio capital allocation rule telling how much to invest in equities and bonds and how much to invest in treasury notes, precious metals and funds. Usually one portion of portfolio is actively managed and other portion is left to grow automatically. Balanced investment strategy can be slightly aggressive or slightly defensive with respect to investments made.
The greatest advantage of balanced investment strategy is the diversification of portfolio and hedging against high total portfolio value volatility. It is good for investors looking for medium-term (3 to 5 years) profits. Other advantages include flexibility in portfolio management, better results with better capital investments, (almost) predictable income and manageable portfolio risk. Balanced investment strategy support both beginners and experienced investors and can be an option for monthly earnings for living.
Investing in your priorities
A socially responsible strategy allows individuals to invest in a way that is consistent with their own priorities. As indicated by performance in recent years, choosing to invest in this manner does not mean sacrificing potential return. However, not all investments will perform in the same way.
If this method of investing interests you, work with your Hypo Venture Capital financial advisor to learn more about how SRI options can work in conjunction with your overall investment strategy. There are a number of mutual funds to choose from that can be incorporated into an existing or proposed asset allocation strategy. Alternatively, you can select specific investments that fit more particular criteria or apply your own social screens to your managed portfolio. Be sure to consider how any investment you choose matches your risk profile and your return expectations.
The most effective approach to socially responsible investing is to make sure that the execution of the strategy is consistent with your overall financial plan. Your HVC financial advisor can help you review your current asset allocation and help you consider whether social investing is right for you.

Hypo Venture Capital

http://teemu1.en.gongchang.com/

Our company invests venture capital funds into newly created companies, primarily in western Europe. At current, our focus is within the internet and world wide web. We provide management guidance as well as seed funding. Read More

Funds is The Answer Your Looking For by Hypo Venture Capital Zurich

http://www.submittedby.com/business/funds-is-the-answer-your-looking-for-by-hypo-venture-capital-zurich/
Here we look to dispel some of the jargon and confusion surrounding ‘Funds’, breaking them down, with no nonsense explanations in an attempt to help you understand this strategic investment.
Starting out?
Here at Hypo Venture Capital Zurich, Switzerland we are committed to offering our clients access to the latest and broadest range of financial services and products on the market. We know that choosing the right strategy, the right investment and the right product is no easy task in this day and age! Whether its advice, investments or financial planning we are here to answer all your questions and facilitate all your financial needs.
Many newcomers to equity investment are nervous about investing in individual firms – and with good reason. Putting all your money into a few stocks is a high-risk strategy, especially for the inexperienced, because it leaves you vulnerable to sharp fluctuations in the share price of the individual stocks you pick, not the markets in which they trade. If you get it right and pick winners, great. But if you pick a couple of big losers, your whole portfolio will be scuppered. Collective or ‘pooled’ investments can diversify your holdings and therefore reduce that risk.
Why pooled funds?
Unit trusts, open-ended investment companies (Oeics, pronounced ‘oiks’) and investment trusts are all vehicles that let you pool your money with lots of other ‘retail’ – or small – investors. (In the US, this kind of investment is known as a ‘mutual fund’.) The pooled money is then invested on your behalf in a wide range of different equities by specialist fund managers. (There are also funds that invest in bonds or other assets, such as commercial property or commodities.) The fund manager takes a fee to run the fund and research what stocks to buy.
If they get it right, it means you get access to a highly diversified range of stocks at a reasonable cost. It also gives you easy access to asset classes and international markets that would otherwise be difficult and/or expensive to invest in. For example, specialist funds are available that invest only in Japan, or Latin America, or only in technology firms, and so on. Also, different funds are designed to meet different investment objectives and there’s a wide range to choose from. Some aim for income, some for capital growth, and some for a balance of the two.
Unit trusts and Oeics
Until recently, unit trusts were the main kind of collective retail investment in the UK. With a unit trust, you buy a fixed number of units in a fund, which then rise and fall according to the value of the underlying assets the trust invests in. Over the past few years, many fund managers have converted their unit trusts into Oeics in the belief that investors find them simpler to understand. From the point of view of the investor, Oeics are more or less the same as unit trusts; they are ‘open-ended’ in the sense that (like unit trusts) the fund’s size expands and contracts depending on investor demand. The big difference is that Oeics have only one price (as opposed to the dual bid/offer pricing of unit trusts).
Investment trusts
Like Oeics, investment trusts are firms whose business is to invest in the shares of other companies. But unlike unit trusts and Oeics, investment trusts are ‘closed-ended’: there are a fixed number of shares in issue, which are traded on the stock exchange. The purpose of an investment trust is, broadly speaking, the same as an Oeic – to give smaller investors cheap access to a wide range of shares. But they are structured rather differently.
The fact that investment trust shares are traded on the open market (the London Stock Exchange) means the share price is determined not just by the value of the trust’s underlying assets, but by current market demand for its shares. Sometimes, if an investment trust is popular, it will trade at a premium to its net asset value (NAV). Other times, it will be trading at a discount.
Investment trusts can borrow money (called “gearing”), often up to 10%-15% of the value of assets and use it to invest in the markets. This is great if the markets go up, but of course the funds losses escalate if they fall.
The final significant difference is that investment trusts are cheaper to buy than unit trusts or Oeics. Actively managed unit trusts have upfront fees of anything up to 5%-6% of the investment, plus an annual management fee of around 1.5%. By contrast, charges on investment trusts are typically less than 1%.
Passive or active?
One way of minimising the cost is to go for an index-tracking fund. These funds aim to match or ‘track’ the performance of a given market index, such as the FTSE All-Share or the FTSE 100. They do this using computer programs to work out how much of each individual stock they need to buy and sell to mimic the performance of the index as a whole.
That’s much cheaper than employing lots of expensive ‘experts’ and researchers, so index-trackers are much cheaper than ‘actively-managed’ funds. Index-trackers might seem like a safety-first option, but there’s a great deal of research evidence to suggest that they outperform most actively managed funds over the long-run because their charges are so low (typically 0.5%, or even less).
Another good ‘passive’ form of pooled investment is the exchange-traded fund (ETF). These work like index-trackers, in that they target a particular market or sector index, but are traded as shares, allowing for a cheap and highly flexible investment.

Hypo Venture Capital

http://teemu1.en.gongchang.com/about
Our company invests venture capital funds into newly created companies, primarily in western Europe. At current, our focus is within the internet and world wide web. We provide management guidance as well as seed funding.

Hypo Venture Capital: How Much Money Is Needed for Retirement?

http://www.article4content.com/business/hypo-venture-capital-how-much-money-is-needed-for-retirement/
Most early- and mid-career workers see retirement as being far off in the distance. While retirees spend their days relaxing under swaying palms and contemplating how thankful they are to be out of the rat race for good, the reality is quite different. Today, people are retiring later and finding the need to save more money to live comfortably after retirement. No two ways about it, the longer people wait to retire, the more comfortable their lives will be.
Here at Hypo Venture Capital Zurich, Switzerland we are committed to offering our clients access to the latest and broadest range of financial services and products on the market. We know that choosing the right strategy, the right investment and the right product is no easy task in this day and age! Whether its advice, investments or financial planning we are here to answer all your questions and facilitate all your financial needs.
How Much Money Does a Person Need to Retire?
How much money a person needs for retirement depends on a variety of factors including desired lifestyle, location, retirement age, anticipated social security payments, and perhaps even medical needs. While some experts predict a person may need anywhere between $850,000-$1.5 million to retire comfortably, the amount is different for everyone all over the globe.
In order to determine exactly how much a person needs for retirement, numerous retirement planning and financial websites feature retirement calculators. Using a retirement calculator, the person enters information including desired retirement age, expected social security payments, current age, current annual income, and life expectancy. The results show the total amount of money needed to retire comfortably factoring in inflation.
The Bottom Line on How Much Money is Needed for Retirement
Bottom line, people should begin saving for retirement as soon as possible, preferably in their 20’s. The age of retirement varies; but if the person waits until age 70 to retire, he or she will enjoy a comfortable retirement. The amount of money needed for retirement depends on a variety of factors and is different for everyone. But with careful retirement planning and the use of a retirement calculator, people can live out their Golden Years more comfortably.
Want to know more?
Hypo Venture Capital Zurich, Switzerland is an independent investment advisory firm which focuses on global equities and options markets. Our analytical tools, screening techniques, rigorous research methods and committed staff provide solid information to help our clients make the best possible investment decisions. All views, comments, statements and opinions are of the authors. For more information go to www.hypovc.com

Funds is The Answer Your Looking For by Hypo Venture Capital Zurich

http://www.free-press-release.com/news-funds-is-the-answer-your-looking-for-by-hypo-venture-capital-zurich-1302844879.html

FOR IMMEDIATE RELEASE
(Free-Press-Release.com) April 15, 2011 --
Here we look to dispel some of the jargon and confusion surrounding ‘Funds’, breaking them down, with no nonsense explanations in an attempt to help you understand this strategic investment.
Starting out?

Here at Hypo Venture Capital Zurich, Switzerland we are committed to offering our clients access to the latest and broadest range of financial services and products on the market. We know that choosing the right strategy, the right investment and the right product is no easy task in this day and age! Whether its advice, investments or financial planning we are here to answer all your questions and facilitate all your financial needs.
Many newcomers to equity investment are nervous about investing in individual firms – and with good reason. Putting all your money into a few stocks is a high-risk strategy, especially for the inexperienced, because it leaves you vulnerable to sharp fluctuations in the share price of the individual stocks you pick, not the markets in which they trade. If you get it right and pick winners, great. But if you pick a couple of big losers, your whole portfolio will be scuppered. Collective or ‘pooled’ investments can diversify your holdings and therefore reduce that risk.
Why pooled funds?

Unit trusts, open-ended investment companies (Oeics, pronounced ‘oiks’) and investment trusts are all vehicles that let you pool your money with lots of other ‘retail’ – or small – investors. (In the US, this kind of investment is known as a ‘mutual fund’.) The pooled money is then invested on your behalf in a wide range of different equities by specialist fund managers. (There are also funds that invest in bonds or other assets, such as commercial property or commodities.) The fund manager takes a fee to run the fund and research what stocks to buy.
If they get it right, it means you get access to a highly diversified range of stocks at a reasonable cost. It also gives you easy access to asset classes and international markets that would otherwise be difficult and/or expensive to invest in. For example, specialist funds are available that invest only in Japan, or Latin America, or only in technology firms, and so on. Also, different funds are designed to meet different investment objectives and there’s a wide range to choose from. Some aim for income, some for capital growth, and some for a balance of the two.
Unit trusts and Oeics

Until recently, unit trusts were the main kind of collective retail investment in the UK. With a unit trust, you buy a fixed number of units in a fund, which then rise and fall according to the value of the underlying assets the trust invests in. Over the past few years, many fund managers have converted their unit trusts into Oeics in the belief that investors find them simpler to understand. From the point of view of the investor, Oeics are more or less the same as unit trusts; they are ‘open-ended’ in the sense that (like unit trusts) the fund’s size expands and contracts depending on investor demand. The big difference is that Oeics have only one price (as opposed to the dual bid/offer pricing of unit trusts).
Investment trusts
Like Oeics, investment trusts are firms whose business is to invest in the shares of other companies. But unlike unit trusts and Oeics, investment trusts are ‘closed-ended’: there are a fixed number of shares in issue, which are traded on the stock exchange. The purpose of an investment trust is, broadly speaking, the same as an Oeic – to give smaller investors cheap access to a wide range of shares. But they are structured rather differently.

The fact that investment trust shares are traded on the open market (the London Stock Exchange) means the share price is determined not just by the value of the trust’s underlying assets, but by current market demand for its shares. Sometimes, if an investment trust is popular, it will trade at a premium to its net asset value (NAV). Other times, it will be trading at a discount.
Investment trusts can borrow money (called “gearing”), often up to 10%-15% of the value of assets and use it to invest in the markets. This is great if the markets go up, but of course the funds losses escalate if they fall.
The final significant difference is that investment trusts are cheaper to buy than unit trusts or Oeics. Actively managed unit trusts have upfront fees of anything up to 5%-6% of the investment, plus an annual management fee of around 1.5%. By contrast, charges on investment trusts are typically less than 1%.
Passive or active?

One way of minimising the cost is to go for an index-tracking fund. These funds aim to match or ‘track’ the performance of a given market index, such as the FTSE All-Share or the FTSE 100. They do this using computer programs to work out how much of each individual stock they need to buy and sell to mimic the performance of the index as a whole.
That’s much cheaper than employing lots of expensive ‘expert

Reasons to Invest Offshore By Hypo Venture Capital Zurich

http://www.free-press-release.com/news-reasons-to-invest-offshore-by-hypo-venture-capital-zurich-1302845074.html

FOR IMMEDIATE RELEASE
(Free-Press-Release.com) April 15, 2011 --
What are the benefits available to you from the world of offshore savings, investment, finance and banking?
Here at Hypo Venture Capital Zurich, Switzerland we are committed to offering our clients access to the latest and broadest range of financial services and products on the market. We know that choosing the right strategy, the right investment and the right product is no easy task in this day and age! Whether its advice, investments or financial planning we are here to answer all your questions and facilitate all your financial needs.

Even in this day and age of enlightenment thanks to the pervasive nature of information dissemination via the internet, some people are still concerned about the legalities and legitimacy of the offshore world of finance and banking. For some reason others simply assume that onshore equates to a ‘safe haven’ for money and offshore equates to a ‘risky tax haven.’

Well, you and I know that that is simply not the case! However, even though it is now clearer to more people that the offshore world holds many potential taxation benefits, there are still questions to be answered about why one should invest offshore and in this article we explore the benefits.

First things first…here’s another myth I wish to dispel – some people say that offshore investments and bank accounts are more lightly regulated than their entity-type-counterparts onshore…now, that’s not necessarily true!

Yes, certain jurisdictions give fund managers, bankers and investors pretty much free rein so that the rewards and risks are potentially far greater – but some jurisdictions are very highly regarded among financial professionals simply because of the incredibly high standards of protection they afford investors and account holders through insurance schemes and government regulation requirements for example:

The Isle of Man and the Channel Islands are examples of offshore jurisdictions where offshore investment and saving policy or bank account holders are afforded high levels of protection. Just taking the Isle of Man – it offers policyholder protection schemes, it also has the highest financial services rating issued by the OECD, FATF and FSF and it has an independent Financial Services Ombudsman scheme not to mention the fact that both Standard and Poor’s and Moody’s have given the Isle of Man AAA ratings.

So – myth dispelled, let’s move on.

In terms of the benefits available when investing offshore they will always, always depend on the particular circumstances of the individual investor - but offshore financial services and structures can be used as part of an overall asset protection strategy for example, investing offshore can afford an investor greater flexibility in terms of international accessibility and the commodities, equities, derivatives, stocks, shares or companies they can invest in, plus there are of course sometimes significant taxation benefits available to an account holder depending on their countries of tax residence and domicile.

Other answers to the question posed by this article – namely ‘why invest offshore?’ – are because there are general benefits available including more efficient estate planning potential, privacy and confidentiality, better interest returns, the chance to exploit active business interests overseas in low or no tax locations and global access to assets and income.

So, while the internet has been fantastic in terms of allowing more people to become far more broadly informed - especially about subjects as seemingly taboo as all things offshore - it is still absolutely in a government’s interests to avoid advising people that the offshore world is open and available to them because they may well lose out on taxation revenue as a result! This means it is up to independent websites such as World Financial Asset Advisory to give you free access to facts and general information and for you to then see how and why such information is or is not applicable to your own personal circumstances. At which stage you can then take specific and expert advice from a qualified individual as to how you can best utilize the offshore world.

And on that final note there is just one more thing to say! A potential investor (you) has to be absolutely sure that the actions they are about to take in terms of placing assets offshore will be of benefit to them. Additionally they need to make sure that they are acting legally, that a company they are entrusting with their money is legitimate and that they understand the risks associated with their decisions.

To that end we at Hypo Venture Capital will always advise that you should to do your own due diligence on the jurisdiction recommended to you or chosen by you, the company you are considering investing or banking with and the policy or account you are taking out. Common sense is the main key to ensuring you do not make a mistake when entering the world....

Hypo Venture Capital

http://www.widepr.com/company_profile/3259/hypo_venture_capital.html

Hypo Venture Capital is an independent investment advisory firm which focuses on global equities and options markets. Our analytical tools, screening techniques, rigorous research methods and committed staff provide solid information to help our clients make the best possible investment decisions. All views, comments, statements and opinions are of the authors. For more information go to www.hypovc.com

Hypo Venture Capital

Stephen Holmes

Stockerhof Dreikoenigstrasse 31 A

Gosport, Hampshire

United Kingdom, 8002

Voice +41 (0)44 208 3530

Fax +41 (0)44 208 3530

Email:

Hypo Venture Capital Zurich: INVESTING MONEY FOR 2011 AND BEYOND - BEST INVESTMENT STRATEGY

http://www.release-news.com/index.php/finance/79366-hypo-venture-capital-zurich-investing-money-for-2011-and-beyond-best-investment-strategy.html

Here at Hypo Venture Capital we are committed to offering our clients access to the latest and broadest range of financial services and products on the market. We know that choosing the right strategy, the right investment and the right product is no easy task in this day and age! Whether its advice, investments or financial planning we are here to answer all your questions and facilitate all your financial needs.

Investing money in 2011 through 2012 may require that most people change their thinking about the best investment strategy. Traditional investing strategy for average folks suggests an asset allocation of over 50% to stock funds, about 40% to bond funds, and the rest to perhaps a precious metals (gold) fund for added diversification. In the world of investing money, times are changing; especially for bonds and gold.

In putting together your investment strategy one of the best ways to focus is to consider the flow of money between asset classes over the recent months and years. In the investing world money always goes someplace, and it tends to concentrates in different areas at different times. When money floods an asset class like bonds or gold, prices can rise dramatically. When it makes a grand exit prices can tumble. Extremes in price movements should grab your attention when investing money for 2011 and beyond, especially when you hear mention of the word “bubble”.

In the months leading up to 2011, investors both large and small were investing money heavily in bonds and in precious metals like gold. This investment strategy was among the best as prices in both asset classes climbed to record or near record highs. Millions of everyday folks threw money at bond funds and some discovered gold funds. The question going forward: are prices at extremes, and is either investment a bubble waiting to deflate or burst? Let’s look at bonds first.

Investors have flooded bond funds with an additional net inflow of hundreds of billions of dollars while pulling money out of stock funds in recent times. The bond funds have then taken this money and bought more bonds, in the process sending bond prices up to extremes. This has pushed bond yields (interest income as a percentage) to near-record lows. Looking back to 1981, the 10-year Treasury note (intermediate-term government bonds) hit a high yield of 14%. Today they’re paying less than 3%, near historical lows. The problem: investing money in bonds and bond funds carries a significant risk today. When interest rates go UP, bond prices (values) will FALL. If there is a bubble here it will deflate as investors rush to pull money out of bonds.

The best investment strategy for 2011 in the bond department is to avoid long-term bonds and funds that invest in them because they will get hit the hardest when rates go up. Who wants to get stuck at a low fixed interest rate for 20 or so years when rates are going up? Go with shorter-term funds holding average bond maturities of 7 years or less. DON’T chase bond funds; consider cutting back your holdings. Investing too much money here has too much downside risk associated with it… unless you’re willing to speculate that interest rates and our economy will stay depressed well beyond 2011.

Now let’s get a perspective on gold prices that recently glittered at an all-time high of over $1400 an ounce. In 1999 gold sold for as little as $253. Investing money in 2011 and beyond in gold or gold funds at these prices is as much speculation as it is hedging against disaster. The best investment strategy here is to take some profits if you have them. If you missed the boat in gold, wait for the next one. The price of gold has been unstable at best since the yellow metal resumed trading in the U.S. in the mid-1970s. Don’t view gold as the best growth investment. View it more as a speculative bubble with risk outweighing future profit potential. The price would have to go up $1400 an ounce in order to double your money at recent prices. This is not a likely scenario.

Now that you’ve cut back on bonds and precious metals, what’s the best investment strategy for the rest of your money? Unless you’re over the age of 80 and/or extremely risk adverse, you need stocks in your investment portfolio. There hasn’t been a real bubble in the stock market since 1999 when the Dow peaked and closed the year at 11,497. In late 2010 that ever-popular stock market barometer was fighting just to get back to its 1999 highs… after the shock delivered to it by the financial crisis of 2008.

In 2011 and beyond investing money in stock (equity) funds should focus on both those that invest in domestic (U.S.) stocks, and in international funds that invest money abroad as well. You need all of the diversification you can get. Go with funds that invest money in large well established companies with a good record for paying dividends. These are less risky and volatile than growth funds that pay little if any dividends. Plus, good reliable income from either dividends or interest is hard to come by these days.

For the rest of your money you need good safe investments that pay interest. Here we face another of today’s extremes: historically low interest rates at the bank and in the money markets. Even though you’re looking at less than 1% a year in interest, you’ve got to go with the flow and continue investing money here because these are truly the best safe investments. The best investment strategy for mutual fund investors: money market funds. When rates go back up your money market fund yields will automatically follow and go up accordingly.

The best investment strategy for 2011 and beyond will be to diversify broadly, leaning toward a defensive posture. Investing money across all of the investment classes mentioned is still the key to long term success as an investor. Sometimes… like now… it’s better to be more conservative when investing, and live to chase opportunity another day.

Want to know more?

Hypo Venture Capital Zurich, Switzerland is an independent investment advisory firm which focuses on global equities and options markets. Our analytical tools, screening techniques, rigorous research methods and committed staff provide solid information to help our clients make the best possible investment decisions.

Hypo Venture Capital Investing Money: Good Investments for the Investor Who Feels Clueless

http://gold.cinebarn.com/2011/03/15/hypo-venture-capital-investing-money-good-investments-for-the-investor-who-feels-clueless/

Hypo Venture Capital Investing Money: Good Investments for the Investor Who Feels CluelessHere at Hypo Venture Capital we are committed to offering our clients access to the latest and broadest range of financial services and products on the market. We know that choosing the right strategy, the right investment and the right product is no easy task in this day and age! Whether its advice, investments or financial planning we are here to answer all your questions and facilitate all your financial needs.
In 2011 and into the future most folks in search of good investments will again turn to mutual funds for investing money, and for good reason. These funds do the money investing for you and try to pick good investments for their (your) portfolio. It’s your money and you pick the funds, so in case you feel clueless, here we take the mystery out of investing for 2011 and beyond by getting back to basics.
In the process of investing money for the future you really only have 4 basic choices. That was true 100 years ago and still applies in 2011 and beyond. There are good safe investments that pay interest, bonds that pay more interest, stocks that grow in value most of the time; and alternative investments like gold & other commodities including real estate that offer growth opportunities sometimes when stocks don’t. Those are your basic choices when investing money unless you bury the stuff, in which case inflation and decomposition can eat away at your underground deposit.
Now let’s look at each of these 4 alternatives for investing money in search of good investments in mutual funds. Cash in the bank is safe and so are money market securities. These don’t look like good investments now because interest rates are near all-time lows. That won’t always be the case, so put some money in money market funds for safety.
Bond funds are a good way for most folks to invest money in bonds and they do pay higher interest income, but they are not really safe investments as most folks have been lead to believe. When today’s record low interest rates start to go up, most bonds and the funds that invest your money in them will be real losers. Memorize this statement: when rates go up bond prices (values) go down. The key to investing money in bond funds for 2011 and beyond is this: put money in short-term and intermediate-term bonds funds while avoiding long-term bond funds. The latter will get crushed if (when) interest rates turn around and go up.
Stocks are our third category, and stock mutual funds are the best way of investing money in them for average and especially clueless investors. The truth is that for 2011 and beyond this is the wild card. High unemployment and slow growth in the economy don’t paint a pretty picture here, but the other choices don’t look great either. Put some money in dividend-paying high-quality diversified stock funds. Avoid riskier growth funds that invest money in stocks that don’t pay dividends.
Investors who overlook other alternatives miss some good investments because of this oversight. Investing money in the likes of gold, oil, real estate and basic materials is greatly simplified by simply investing in specialty stock funds that specialize in these areas. The advantage here: these funds can add additional diversification to your portfolio because they sometimes produce profits when the stock market is weak.
We have covered your 4 basic choices starting with safe investments and getting progressively riskier. Investing money for 2011 and beyond simply amounts to covering all 4 bases, emphasizing the funds that best fit your risk profile. One year’s good investments might not be repeat performers the next year, but with a diversified portfolio of funds working for you you’ve got good odds for success.
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Hypo Venture Capital is an independent investment advisory firm which focuses on global equities and options markets. Our analytical tools, screening techniques, rigorous research methods and committed staff provide solid information to help our clients make the best possible investment decisions. All views, comments, statements and opinions are of the authors. For more information go to www.hypovc.com