Category Archives: financial plan

ABOUT A INVESTMENTS PORTOFOLIO

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Investment Portfolio consists of two materials, namely: PORTFOLIO Suggested and MARKET OUTLOOK. It would be useful if you invest through a portfolio. Portfolio is an amalgamation of more than two types of financial instruments of different types. Merger is useful to minimize the trade-off does not achieve the results we hoped for, and approaches used to manage the risk of DCA (Dollar Cost Averaging) – the point of purchase on a regular basis.

Investing with managing a portfolio tailored to your risk profile as a whole is very wise. Your risk profile this year could be different from the previous year. Assess your risk profile regularly to get the payoff expected and consistent with the level of tolerable risk profile according to your risk.

Notice of financial instruments in your portfolio, should be transferred to some other financial instruments tailored to the risk profile, the number of investment funds available and the expected payoff? Furthermore, with economic or market conditions at this time, do the selection of financial instruments, and its products, especially non-banking products, such as stocks, should also pay attention to the type of industry.

4 GOLD TIPS : HOW TO SAFELY INVEST GOLD

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Gold Investments offers an excellent way for investors to store wealth during difficult economic times. Metallic gold is much more stable compared with other forms of investment.

Current gold prices jumped following the investors’ concerns center on the economy of the United States. Demand for gold continues to rise because investors are more confident to hold gold rather than cash.

See, in the past year, gold prices soared to 30 percent. In September 2009, gold prices are still below U.S. $ 1,000 per ounce (28.35 grams), now approaching U.S. $ 1,300. In fact this is the highest figure of all time.

Gold investment tips tailored to conditions in your country:

1. Gold bullion
Investors who invest in gold bullion will choose. Gold bullion is considered valid if its purity reached 22-24 carats. Gold bullion consists of various sizes, ranging from 25 grams, 50 grams, 100 grams and 1 kilogram. Gold in this form is suitable for facilities investment. Wherever whenever we want to sell, its value is still adhering to international standards.

2. Gold deposits
You may not want to store the physical gold in the house because of the risk of theft. For this reason, gold can be stored in safety box at a bank or another. Or when you see bullionvault.com, this company provides gold transactions at once to save it.

3. Mutual fund gold
Gold mutual funds are another way to invest in this precious metal. You need not actually holding physical gold, but you can take the benefits.

Gold mutual funds are usually not only invested in physical gold trading, but also transactions involving shares of gold mining companies. Before determining the investment in this fund, management fees, fund expenses, and net asset value should be considered.

4. Shares of gold mining
Investors who want to invest in gold without having the physical metals can also select this type. You can buy shares in gold mining companies. Investors expect the stock prices of gold mining companies rose as gold prices rose. However, these two events are not always congruent.

Investors can determine the success of the stock by examining the cost of gold production costs versus the price of gold. If the gold price is U.S. $ 700 per ounce and the cost to produce gold is U.S. $ 300, then the gold mine of profit margin is U.S. $ 400.

SAFE HAVEN INVESTMENT INSTRUMENT

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It’s name is just a safe haven, it means it is a protection or a safe refuge. Just as in a state of war or chaos, the citizens will flee to a place, where it is considered the most secure.

In the market, too, the term safe haven or safe assets often arise. This refers to the rush of investors toward investment instruments that are considered safe, especially in the current market turmoil.

In the past year, gold is considered a safe haven. This is due to the position of gold as a precious metal that the world demand, and supply rare and intrinsically valuable.

Gold is considered as an investment destination, whose value will be difficult to degenerate because of the uniqueness of this precious metal. Swiss francs, in the last three years is also considered as a safe haven, because the policy of the Swiss economy is very careful, strong exports, and debt position which is not harmful like its neighbors in the euro zone.

With a strong economic policy, Swiss francs or less the same with the German mark, which in the past has always been strong and prolonged stable. This is also due to economic policy and productivity of Germans are commendable, even though up to now plagued with fellow colleagues euro zone, such as Greece.

Now comes the position of the U.S. dollar as a safe haven. In the last 10 years the U.S. dollar exchange rate fell sharply against the various currencies of the world due to economic bankruptcy.

Olivier Blanchard, IMF senior economist, has warned that the state of the U.S. economy and the eurozone are now no better than in 2008.

Then why is the U.S. dollar, which also strengthened against the euro, is considered as a safe haven? The U.S. economy will continue to be burdened in the future debt payments. Rating agency Standard & Poor’s had already downgraded the long-term U.S. debt from AAA to AA +. That is, the risk on debt payments in the future the U.S. is no longer as strong as before.

Therefore, the position of the U.S. dollar as a safe haven is very dubious and not worthy of trust for granted.