CHOOSING INVESTMENT FUND MANAGER

Choosing Investment Fund Manager
Real estate investment managers have become quite popular in the last years, specially with the real estate bubble. These companies have become the new investment fad in the market. They aren't the only source of investment, though. There are other choices, like the stock market. But the important thing is that you feel comfortable with the investment fund manager of your choice.

So, which is going to be? Securities or asset investment managers? The US market provides hundreds of investment management companies, and all of them will tell you that they are the best ones. Of course, that can't be true, so it is you, the potential client, the one who has to take that decision. And, in order to do that, you need a bit of additional information.
What Is An Investment Manager?
An investment manager is an organization who is specialized in placing money in determined values in order to accomplish a pre-accorded goal. For example, a bond manager will look for bonds, domestic or international, that can provide the best return over investment to their clients. The goal can be a minimum of 5% in a period of 5 years.

There are two types of investment managers. The f irst one are institutions, such as insurance companies, pension funds or corporations, among others. Remember that all of these organizations have huge amounts of money that need to be invested in something until it is required.

For example, let's say that you are the investment manager of Google. You company has, right now, $1 billion of capital, deposited in a bank. Are you going to leave it there, accumulating low interests, or are you going to invest a part of it in a more profitable, 12 month bond? The trick is to make an adequate balance on the future needs of the company and the best destiny that you can give to the money.

The second type of investment managers are private investors, companies that look for people who don't know how to invest in the market, and require an intermediary that can do the work for them. All for a fee, of course. In this scenario, the individual tells the company for how long they wish to invest their money and the company will determine the best choices.

For example, they may mix a low risk security like US Treasury bonds with shares in a new gold mine in Ecuador. These kind of companies are also known as fund managers, investment advisors or real estate investment managers.

The investment manager services industry moves, in the whole world, trillions of dollars per year. This is due to the fact that every company is a fund manager in it's own way. The good thing about this is that it provides dynamism to the economy of the whole planet, benefiting millions of people in hundreds of countries.

BASIC INVESTMENT RULES

Basic Stock Investing Rules
What Is Investing?
Investing is one way that people put their money to work to make more money. Investing in the stock market requires a sound stock market investing strategy. The focus of stock investing is on the return. Stock market investing can be either conservative or aggressive depending on what your prefer to do. The best stock market investing advice is to always weight the expected return against the risks that may be involved. However, before you get started you should know the basics of stock market investing. The first thing to learn is the types of stocks that are available.

Types of Stocks
Understanding the type of stock options you have is the first step in understanding stock marketing investing. The two main types of stock are common stock and preferred stock. Common stock is what the majority of the public holds as individuals. Most of the information you hear about stocks being up or down has to do with common stocks.

Aside from dividends, preferred stock actually has less rights than you get with common stocks. Companies that have preferred stock will usually get first call on the dividends ahead of common stock which means they are able to pay consistent dividends. Many investors will purchase preferred stock. Next you should consider the methods of trading stock.
Basic Stock Trading Information
Ways to Trade Stock
You always hear of stock investing, but what exactly goes into investing in stock market trading. Trading in stock investing is basically the same as buying and selling although there is a little more to it. Stock market investing has two main methods of trading, on the exchange floor and electronically.

When it comes to stock market investing most people think of the trading floor at the New York Stock Exchange or NYSE. This process involves individuals actively trading stock on the stock exchange floor and within a few minutes to an hour you will get a call from your broker regarding the amount of your trade.

Another option that is available for stock investing is the electronic method. The NASDAQ system is entirely electronic while the NYSE one have a small percentage of their stock market investing done online. Electronic stock investing is quickly becoming a popular stock market investing strategy. Rather than human brokers with the exchange floor method, electronic stock investing uses a large computer network to match up sellers with buyers. Many prefer this method since it is both efficient and fast when it comes to stock market investing. The company traders who are investing in pension funds, mutual funds and other stocks prefer this investment method.

LEARNING THE INVESTMENT STRATEGIES

Learning the Top Investment Strategies
Active or passive investment strategies, both of them entail determined decisions and responsibilities. On one hand, you can dedicate a lot of your time determining which are the best choices. On the other hand, you can simply delegate that responsibility to a company that is specialized in international investment strategy plans.

There are many of them, who specialize in stock investment strategy, property investment strategy, retirement investment strategy, among many others. Either way, it is important to know more about international investment, so let's find out what is it exactly.
What Is International Investment?
International investment is the act of putting your money in assets that are located outside the United States. This branch of investment has generated a great deal of interest among investors since it permit's them to place their capital at locations that may generate higher profits for them.

An additional advantage is that, since the American market for determined goods is already overexploited, it provides a new "route of escape" for all those investors who aren't willing to invest their money in markets with too many barriers. For example, consumer products or telecommunications.
Objectives Of International Investment
Once you have decided to leave behind the domestic market and incursionate in other continents, you need to determine your objectives. It isn't as simple as saying "I want to invest in China". There are three variables that need to be considered before doing this. These variables are growth, safety and income.

In investment planning, the objective of growth is capital gain. For example, let's say that you are interested in making your capital grow, but do not need the money right now. So, you may buy shares from a Fortune 500 company and wait some years until you have reached your objective. Only when you reach it, you will sell your stock, and, ergo, your investment plus gains.

Another objective is safety. Many people see international investment as an excellent way of providing them a constant flux of income. As a matter of fact, millions of people around the world use it as their main source of revenue. What's the purpose of killing yourself at work when you can earn enough money through your investments? That way you can dedicate to things that may not provide you with a lot of money, but that can be more satisfying.

So, let's say that your passive investment strategies includes companies that put your money in relatively safe international investments. One interesting option is provided by governments. As in the case of the US Government who issues bonds for financing determined projects, other democracies in the world do the same thing. Countries like Germany, France and England emit government bonds for their own use. The same thing happens with corporations. Transnationals like EADS, Philips or Nestle are very interesting options.

Finally, there is the issue of income. In the case of income, your prime interest is to obtain the biggest amount of money, without taking into consideration the risk that may entail. In order to do that, individuals need to look for opportunities with a low investing rating, but with a great potential for monetary gain.

HOW TO INVEST 3

Investment Risks
A professional investor may say you that the main inconvenient of investment risks is that they are risky. But that obvious remark entails much more than you may suspect. Because it isn't only a matter of how much money you may win or lose. You have to consider the amount of time that you have spent doing the research. The other option is to leave that responsibility to an investment dealer; risks are part of their daily chores, so it no novelty for them to incur in these proceedings.

So, should you embrace investment risks? Are they really worth it or are nothing but a scam created by con artist who are looking for easy preys? Let's find out more about risks on return on investments plans and if they really worth your precious time and your hard earned money.
What Is An Investment Risk?
There are two types of investments. Riskless and risky. Riskless investments are guaranteed by a reputable organization. It can be a private corporation, a government agency or a supra national organism. In any of those cases, you know that there will be no problem when it is time of receiving your money, plus interests, back.

A perfect example of an almost riskless investment is a bond emitted by a government or a Fortune 500 corporation. On the other hand, there are risky investments. In this type of risks, there is a bigger chance to make a lot of money, but also there is a bigger chance to lose it.

There are degrees of risks in investment. For example, foreign investment risks can be more risky than personal investment risks. At the end, the degree of risk is determined by the variables that it has to live with. And they can be as diverse as a new competitor to changes in the geopolitical situation in southeast Asia.

REAL ESTATES

Real Estates
When a person or a group of persons or a business entity buys building and landed properties with an intention to sell them in the future at high prices or to rent the property for business and commercial purpose or to engage in business at a later stage it is referred as real estate investment. Investing in real estates involves lot of risks and at the sa me time it happens to be lucrative if one is able to strike the right deal.The prices of real estates depend on many factors both internal and external. Some of the external and internal factors which influence the real estate market are government regulation, economic factors like price and demand. Some of the internal factors include the current trend of real estate market and competitors. Access eager real estate investors and start flipping houses online now.

HOW TO INVEST 3

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Successful Investment - Do You Know the Right Path?
Whenever a person or a corporation or a government entity spends some money to purchase an asset (movable, immovable or otherwise) of any kind with an intention to make profit in the future such activity is referred as investment. Investments can be for long term and short term. Certain investment carries risk while the others do not. Similarly some investments guarantee returns while the others do not. When you have money to invest you must analyze many factors and then take a decision.

Investment is a vital activity in financial planning. Investment is important for many reasons. Firstly most of them generate greater revenue when compared with savings though the fact remains that certain investment doesn't necessarily give you returns. Investments can appreciate your asset value improve your bank balance and may be of a great recourse to start a business or take care of oneself in the old age. You must properly learn to invest money from the loans.

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DO I NEED A BROKER

If you want to buy stocks, you're going to need a broker. And who wouldn't want to own stocks? Over the past 100 years, your long-term savings would have fared better in the stock market than anywhere else -- not in bonds, not in real estate, not in gold, and certainly not in Beanie Babies.


But before you enter the first ticker symbol on your Fool Portfolio tracker; before you start tracking the Dow's every move; before you run the numbers on a company's cash flow, you should set some expectations.


Here's one good rule of thumb: If you've got money you won't need for five years or longer, you should invest it in the stock market. Money earmarked for use in less than five years (such as for a down payment on a house, or a graduating high school senior's college tuition) should be put in a short-term savings vehicle, like a money market account, savings account, or certificate of deposit (CD). And, heaven forfend, if you have high-interest credit card debt, send all your extra shekels directly to your lender and pay off that bill!


But your long-term money belongs in stocks. Why? It's simple: Historically, there is nowhere you could have gotten a higher rate of return than in the stock market. Even though the bear market of 2000-2002 put a damper on returns -- the S&P 500 returned only 6% annually over the 10 years ending in November 2007 -- the historical average annual S&P return since 1926 exceeds 10%. And while the market has performed quite well since those 2002 bottoms, that trend won't continue forever, and before you start investing, you should consider that.


Nevertheless, over the long term -- during bull markets, bear markets, depressions, recessions, and elections -- the stock market has been the place to be. And a discount brokerage account will get you there.

HOW TO INVEST 2

First, douse your debt

After learning why investing is a smart thing to do, you're probably itching to take the next step. You want to drop everything and start investing right now. But hold on! Would you start running a marathon without first stretching? Would you pour syrup on the plate before the pancakes are done? Having dazzled you with the power of compounded returns, we want to make sure that same principle's not working against you. Before you start investing, you've got to get rid of your high-interest debt.

The very same principle of compounding that helps your investments grow can quickly transform a dollar of debt into a few hundred dollars. Does it make sense to try to save money even as your debts are multiplying like bunnies? No way. Although some kinds of debt may be low-interest or tax-advantageous (such as your mortgage), you'll want to free yourself from the high-interest stuff before you begin to invest.

Every dollar you can put toward investing will work for you. And every dollar of yours kept out of the pockets of financial professionals or full-service brokers is also creating value for you. (We'll get back to this point later.)

Pay yourself first

To become a successful investor, make investing a part of your daily life. That's not as great a stretch as it may sound. After all, you make decisions that affect your finances every day, whether you're ordering a $7 glass of wine with dinner or getting a home equity loan to pay down credit card debt.
We're not suggesting that you obsess over every penny you throw into a wishing well. (Please don't embarrass your mother by diving in after it.) If you pay yourself first, you won't have to.
You already pay the companies behind your credit card, gas, water, electric, cable, and phone bills every month, right? Why not add yourself to the list? Heck, put yourself right at the top. Set aside a chunk of money to save or invest when you first get your paycheck, and you can happily forget about it for the rest of the month.
The Motley Fool recommends that you save as much as possible; 10% of your annual income (total, not take-home) is a good goal. Depending on your obligations, you may be able to save more or less. The more you save, the more wealth you create -- but anything is better than nothing. Even a few dollars saved now will be worth more than lots of dollars saved later.
With online banking and brokerage services, it's easier than ever to set up automatic monthly transfers between your checking account and a savings account or investing vehicle of your choice. You'll be surprised how easy it is to live on a little less money each month -- in fact, you probably won't even notice the difference.
Don't hesitate to be flexible about your savings. If you find yourself truly pinched for pennies once all the bills are paid, perhaps you're paying yourself too much. Perhaps you're not yet in a position to start paying yourself at all. That's perfectly OK -- but as soon as you can feasibly start saving, jump right in! The earlier you start, the better.

Active and passive strategies

The two main methods of investing in stocks are called active and passive management, and the difference between them has nothing to do with how much time you spend on the couch (or the exercise bike). Active investors (or their brokers or fund managers) pick their own stocks, bonds, and other investments. Passive investors let their holdings follow an index created by some third party.
When most people talk about stock investing, they mean active investing. It may sound like the superior strategy, but active investing isn't always all it's cracked up to be. Over the long haul, most actively managed stock mutual funds have underperformed the S&P 500 Index, the most popular and prominent benchmark for index funds.
In that light, you can understand why some people want an alternative to "active" management. Many people who just want a return roughly equal to that of a major stock index prefer passive investing. Beyond the S&P 500, you can find passive investments in many indexes, including the Russell 2000 for small-cap stocks, the Wilshire 5000 for the broad market as a whole, and various international indexes as well.

Investing versus speculating

Right about now, you may be thinking about that brother-in-law who "made a killing" in options. Or maybe you're reminiscing about the Nevada vacation when your one lucky quarter magically drew out 700 more with the pull of a slot-machine lever. Why put your money in slow-and-steady investment vehicles that merely promise double-digit returns, when you could have near-instant riches? With compounding, you have to wait patiently for years for your riches to accumulate. What if you want it all now?
Granted, there's nothing exhilarating about predictability. Matching the performance of the S&P 500 won't make you the life of the party. But neither will the far more common tales about how you lost your savings on some speculative gamble -- nor a recounting of your subsequent adventures in bankruptcy court.
You don't need a card dealer, dour strangers, or Wayne Newton background muzak to gamble. Plenty of stock market gamblers do an admirable job of losing their money on seemingly legitimate pursuits. At The Motley Fool, we believe investors "gamble" every time they commit money to something they don't understand.
Suppose you overhear your best friend's dentist's nanny talking about a company called Huge Fruit at a cocktail party. "This thing is gonna go through the roof in the next few months," she says in a stage whisper. If you call your broker the first thing the next morning to place an order for 100 shares, you've just gambled.
Do you know what Huge Fruit does? Are you familiar with its competition (Heavy Melon)? What were its earnings last quarter? There are a lot of questions you should ask about a "hot" company before you throw your hard-earned cash at it. A little knowledge could help keep you from losing a lot of money.
Remember, every dollar that you speculate with and lose is a dollar that's not working to create long-term wealth for you. Speculation promises to give you everything you want right now, but rarely delivers. In contrast, patience all but guarantees those goals down the road

HOW TO INVEST 1

HOW TO INVEST

Once you've figured out why you should invest, the next step is learning how. We'll break that question into two parts. First, we'll talk about how you can structure your financial life to make it possible to invest. Then, we'll delve into the mechanics of investing, such as opening a brokerage or mutual fund account

What is investing?

Any time you invest, you're devoting your own time, resources, or effort to achieve a greater goal. You can invest your weekends in a good cause, invest your intelligence in your job, or invest your time in a relationship. Just as you undertake each of these expecting good results, you invest your money in a stock, bond, or mutual fund because you think its value will appreciate over time

Investing money involves putting that money into some form of "security" -- a fancy word for anything that is "secured" by other assets. Stocks, bonds, mutual funds, and certificates of deposit are all types of securities.

As with anything else, there are many different approaches to investing -- some of which you've probably seen on late-night TV. A well-dressed, wildly positive (though somewhat whiny) young man sits in front of lazily waving palm fronds, shaking his head about how incredibly easy it is to amass vast wealth -- in no time at all! Well, hey! That sounds fine! But if it were so easy, wouldn't everyone who saw the same pitch be rich? And how come you always have to send in money to learn those wealth-building secrets?

We suggest you take the $25 you'd spend on the hardcover EZ Secrets to Untold Billions book and the $500 you would shell out for the EZ Seminar, and invest it yourself -- after you've learned the basics here.

MONEY PRINCIPLES

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IMPLEMENTING INVESTMENT PLAN

IMPLEMENTING INVESTMENT PLANS

DON’T TAKE MONEY FROM THE BANK UNTIL YOU ARE SURE OF WHAT YOU ANT TO EXPEND THE MONEY ON,BECAUSE DISCIPLINE IS THE KEY WORD FOR INVESTMENT.IF YOU HAVE NOT WRITTEN T DOWN THEN DON’T TAKE ACTOIN ON IT


IN PLANNING TO USE PART OF YOUR SALARY FOR INVESTMENT,FIRST WRITE OUT WHAT YOUR SALARY OR INCOME ARE AND OUTLINE ALL YOUR EXPENDIXTURE.WHEN YOU ARE THROUGH WITH THIS, THE REST IS FOR THE INVESTMENT.IF THEREMINANT IS TOO SMALL, INTRODUCE A SAVINGSPLAN THAT WILL LEAD TO INVESTMENT PLAN

STEPS FOR INVESTMENT PLANNING

STEPS FOR INVESTMENT PLANNING

DRAW A SCALE OF PREFERENCE WITH RESPECT TO MONEY UTILITY AND HAVE A PRIORITY LIST


INVEST IN YOUR PREPARATION BY CREATING TIME TO PLAN


REDUCE YOUR MEDITATION ON HOW TO SPEND YOUR MONEY


ALSO STAY IN YOUR INVESTMENT THOUGHTS TO GIVE BIRTH TO INVESTMENT PLANS


ALWAYS THINK OF WHAT TO DO TO ATTRACT FINANCES INTO YOUR LIFE THROUGHT INVESTMENT AND HOW TO SPEND WHAT YOU'VE EARNED

BUILD AN INVESTMENT HABIT

BUILD AN INVESTMENT HABIT

MAKE INVESTMENT A HABIT.YOU HAVE TO SACRIFICE WHAT YOU WANT NOW FOR WHAT YOU WANT LATER

IF YOU DON’T INVEST WHAT YOU HAVE, YOU ARE NOT CREATING OPPOURTUNITY FOR MONEY TO BE REPRODUCED.THERE MUST BE AN INPUT,WHICH IS ALWAYS THE FOUNDATION ASSESTS THAT WILL PRODUCE RETURNS ON INVESTMENT LATTER

LET YOUR THINKING ON MONEY BE A DRIVE FOR YOU TO DO WORK ON HOW TO GET IT

TO MAKE GREAT SUCCESS IN YOUR PERSONAL FINANCE,YOU MUST BE READY TO ACHIEVE YOUR INVESTMENT GOALS WITH MINIMAL SUPERVISION