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.
Want to know more?
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
Dienstag, 3. Mai 2011
Donnerstag, 21. April 2011
Hypo Venture Capital Why Invest Offshore
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
What are the benefits available to you from the world of offshore savings, investment, finance and banking?
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.
What are the benefits available to you from the world of offshore savings, investment, finance and banking?
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.
Ronson: Lenders' bad debt is the stumbling block for developers : hypo venture capital
Gerald Ronson's annual lunch at The Dorchester has become a grand affair. This year, 350 of the commercial property industry's leading businessmen and most influential commentators were looking forward to its courses of salmon and beef.
Before they could tuck in, Ronson, 71, spoke in his matter-of-fact, glass half full manner. The man behind Heron Tower, the soon-to-be-completed luxury City skyscraper adorned with a vast aquarium containing 67 species of fish, spelt out the problems facing the sector.
"The banking sector has not been able to provide the oil necessary to get the development wheels working again," he warned on Tuesday. "Banks still have a lot of unfinished business of their own and the big question is what happens to the parcels of toxic waste they have tucked away. The banks, especially the Irish ones, will be sitting on some big losses."
The property industry is facing a cataclysmic problem. If it can't borrow, developers can't build or trade property. Even though the sector praised last month's Budget – with its reintroduction of enterprise zones et al – this will all come to nought if property companies cannot get the money they need to do their job.
As Ronson succinctly put it, the problem was caused by the free and easy lending of the last boom. There is no new lending because many banks – some of the Irish banks, Bank of Scotland and Royal Bank of Scotland among them – lent on inapproprivate deals and schemes that are now worthless, and the debt is still on their balance sheets.
More than £52bn of property debt will need to be refinanced this year, with another £121bn next year. And this at a time when banks are being pressured by authorities into putting more capital on their balance sheets, meaning even less money is available for property loans.
Real-estate adviser Savills published its annual list of the top lenders last week, highlighting the way the market has shrunk. In particular it noted the dwindling number of traditional lenders, such as the German banks – except Deutsche Hypo, one of the few still active.
Ronson told his audience that, with the banks closed, they must seek alternatives to debt. "The opportunity here is for more imagination to be used to find solutions to help them unwind their positions."
The largest listed property companies, British Land and Land Securities, teamed up with wealthy partners to fund their City skyscrapers – the Cheese Grater and the Walkie Talkie – in the past 12 months. While listed developer Capital & Counties is searching for a partner with housebuilding or construction expertise, which also has the cash to help build its 77-acre Earl's Court scheme in west London.
British Land's chief executive, Chris Grigg, said: "The opportunity to borrow from banks against development has fallen and I don't see this changing. Development will now have to be financed by equity – finding wealthy partners."
A potential replacement for banks could be insurance firms, with French giant AXA and Britain's Aviva among those looking to lend on the right deals.
Michael Marx, the chief executive of listed property firm Development Securities, says: "Insurance companies are beginning to expand – we use Aviva and there is also Canada Life, but the list will grow. We may see new lenders come from growing overseas markets such as China and India also."
But William Newsom, Savills' UK head of valuation, warns: "The new names in the market are encouraging, but they are not making up for the reduced activities of existing players."
Some hope that mezzanine debt could cover the shortfall. This hybrid form of finance – between bonds and equity – is expensive compared with traditional bank debt, but gives property companies access to cash for dealmaking. Using mezzanine capital, though, means developers can save some equity for more dealmaking.
But Desmond Taljaard, the co-principal of the London office of investor and lender Starwood Capital Europe, says: "We have observed a more notable return of competition in the mezzanine lending market compared to the senior lending market. Investors are using mezzanine capital again, as it is cheaper than equity and is becoming more available."
Funds is The Answer Your Looking For by Hypo Venture Capital Zurich
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?
(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?
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
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
Investment trusts
Hypo Venture Capital Zurich: Try Investing in Foreign Markets for Exceptional Profits
Foreign markets are often referred to as emerging markets if anything, but the European market is included. Foreign stock markets have been offering larger returns than the U.S. stock market for most of this decade, partly because they start out at a lower base. Investors exposed to foreign market growth potential of the emerging countries, can hop on the high-return gravy train, so long as they avoid the ride off the cliff that has happened frequently with emerging market stocks.
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.
Foreign Markets Include BRIC and Feeder Countries
Some of the foreign emerging market countries include Brazil Russia, India, China, Vietnam, Taiwan, Israel, and even New Zealand and Australia can be included. Part of the attraction of several of these countries is that their overall market value is significantly lower than the US market value. For example: trading a five dollar stock can offer larger percentage returns based on a given capital investment than a $50 stock because of the nature of larger numbers versus smaller numbers.
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.
Foreign Markets Include BRIC and Feeder Countries
Some of the foreign emerging market countries include Brazil Russia, India, China, Vietnam, Taiwan, Israel, and even New Zealand and Australia can be included. Part of the attraction of several of these countries is that their overall market value is significantly lower than the US market value. For example: trading a five dollar stock can offer larger percentage returns based on a given capital investment than a $50 stock because of the nature of larger numbers versus smaller numbers.
Hypo Venture Capital Zurich: Try Investing in Foreign Markets for Exceptional Profits
Foreign markets are often referred to as emerging markets if anything, but the European market is included. Foreign stock markets have been offering larger returns than the U.S. stock market for most of this decade, partly because they start out at a lower base. Investors exposed to foreign market growth potential of the emerging countries, can hop on the high-return gravy train, so long as they avoid the ride off the cliff that has happened frequently with emerging market stocks.
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.
Foreign Markets Include BRIC and Feeder Countries
Some of the foreign emerging market countries include Brazil Russia, India, China, Vietnam, Taiwan, Israel, and even New Zealand and Australia can be included. Part of the attraction of several of these countries is that their overall market value is significantly lower than the US market value. For example: trading a five dollar stock can offer larger percentage returns based on a given capital investment than a $50 stock because of the nature of larger numbers versus smaller numbers.
Smaller numbers can increase more rapidly on a percentage basis than larger numbers with a given level of investment. This fact alone allows emerging markets to offer larger percentage returns. For example, the entire US stock market is valued over $21 trillion, where China’s entire stock market is valued at approximately $1.6 trillion. For a $21 trillion market to double in value to $42 trillion is a significantly more difficult feat than a $1.6 trillion market doubling to $3.2 trillion.
Foreign Emerging Markets with Manufacturing and Agricultural Power
Meanwhile the emerging countries all have significant agricultural production as well as growing manufacturing production. The level of absolute production is not as critical as the growth rate of the production of various industries, both agricultural and manufacturing; because stock markets in a foreign market or an emerging market are a future predicting device.
Foreign emerging markets offer significant profit potential in the stock arena because their populations are growing, often at a rate double or triple of the developed Western world, with the exception of Russia, also because they are manufacturing and growing agriculturally. Brazil, for example, has become one of the leading producers of cotton, corn, and soy even displacing the U.S. in some markets.
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.
Foreign Markets Include BRIC and Feeder Countries
Some of the foreign emerging market countries include Brazil Russia, India, China, Vietnam, Taiwan, Israel, and even New Zealand and Australia can be included. Part of the attraction of several of these countries is that their overall market value is significantly lower than the US market value. For example: trading a five dollar stock can offer larger percentage returns based on a given capital investment than a $50 stock because of the nature of larger numbers versus smaller numbers.
Smaller numbers can increase more rapidly on a percentage basis than larger numbers with a given level of investment. This fact alone allows emerging markets to offer larger percentage returns. For example, the entire US stock market is valued over $21 trillion, where China’s entire stock market is valued at approximately $1.6 trillion. For a $21 trillion market to double in value to $42 trillion is a significantly more difficult feat than a $1.6 trillion market doubling to $3.2 trillion.
Foreign Emerging Markets with Manufacturing and Agricultural Power
Meanwhile the emerging countries all have significant agricultural production as well as growing manufacturing production. The level of absolute production is not as critical as the growth rate of the production of various industries, both agricultural and manufacturing; because stock markets in a foreign market or an emerging market are a future predicting device.
Foreign emerging markets offer significant profit potential in the stock arena because their populations are growing, often at a rate double or triple of the developed Western world, with the exception of Russia, also because they are manufacturing and growing agriculturally. Brazil, for example, has become one of the leading producers of cotton, corn, and soy even displacing the U.S. in some markets.
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.
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.
Abonnieren
Posts (Atom)