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 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 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
Friday, April 8, 2011
How to Raise Venture Capital: hypo venture capital zurich
There are 4 simple steps to raising venture capital:
In order to get the best results, limit your search to firms near you who already invest in your type of business. Don't waste your time reaching out to investors who don't fit this profile. Quality is much more important than quantity.
When you do contact venture capital firms, avoid the common mistake of sending your business plan right away. Instead, you want to send them some "bullet points" about your business, outlining key accomplishments to date, to see if they're interested in learning more.
If they are interested, they'll let you know. After initial contact, investors will often ask to see your business plan or executive summary. Or, they may ask to speak over the phone or meet them in their office, which brings us to step #3...
You may get dozens, even hundreds of meetings, but if you don't have a great pitch, you may not receive any investment.
Luckily, we've created a step-by-step Venture Capital Presentation Template that allows you to quickly and easily create a persuasive VC pitch.
But that's not all...There's more to master than your presentation.
You also need to be careful about protecting your business ideas during your VC meeting, and you need to answer all the tough questions VCs will throw at you during the in-person meeting.
Then, even if you impress investors during your meeting, and you get a term-sheet, you've still got one more step...
You need to make sure you're prepared for due diligence.
And, perhaps most importantly, you need to make sure you're receiving a good valuation, so you don't give up control of your company. However, don't stress too much about the valuation, because "a small slice of a big pie" is more valuable than 100% ownership of a business that never takes off.
If you follow each of these 4 steps, then you'll raise the venture capital and grow the business you've always dreamed of. Good luck!
Step 1: Do Your Homework
Before you speak to venture capitalists, you need understand what VCs want and how the venture capital industry works. You need to do your homework. And if you want an investor to fund your company, you need to be able to answer these questions:- Why are you raising venture capital (instead of another type of funding, like angel investment or a bank loan)?
- Exactly how much funding do you need?
- What would you do with the venture capital?
- What's your valuation, and what percentage (equity) of your company will you give up for the investment?
Step 2: Find and Contact the RIGHT Investors
Next, you need to identify the right venture capitalists, so you can contact them and start lining up your meetings, and give your pitch.In order to get the best results, limit your search to firms near you who already invest in your type of business. Don't waste your time reaching out to investors who don't fit this profile. Quality is much more important than quantity.
When you do contact venture capital firms, avoid the common mistake of sending your business plan right away. Instead, you want to send them some "bullet points" about your business, outlining key accomplishments to date, to see if they're interested in learning more.
If they are interested, they'll let you know. After initial contact, investors will often ask to see your business plan or executive summary. Or, they may ask to speak over the phone or meet them in their office, which brings us to step #3...
Step 3: Refine Your Pitch
Your VC presentation is, by far, the most important part of the whole venture capital process.You may get dozens, even hundreds of meetings, but if you don't have a great pitch, you may not receive any investment.
Luckily, we've created a step-by-step Venture Capital Presentation Template that allows you to quickly and easily create a persuasive VC pitch.
But that's not all...There's more to master than your presentation.
You also need to be careful about protecting your business ideas during your VC meeting, and you need to answer all the tough questions VCs will throw at you during the in-person meeting.
Then, even if you impress investors during your meeting, and you get a term-sheet, you've still got one more step...
Step 4: Close the Deal
Don't make the mistake of counting your money before it's actually in your bank account.You need to make sure you're prepared for due diligence.
And, perhaps most importantly, you need to make sure you're receiving a good valuation, so you don't give up control of your company. However, don't stress too much about the valuation, because "a small slice of a big pie" is more valuable than 100% ownership of a business that never takes off.
If you follow each of these 4 steps, then you'll raise the venture capital and grow the business you've always dreamed of. Good luck!
About Growthink
Growthink helps businesses raise venture capital. Since 1999, Growthink has helped more than 2,000 entrepreneurs raise more than $1 billion. Questions? Call Growthink today at 877-BIZ-PLAN
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Monday, April 4, 2011
Hypo Venture Capital Zurich – Socially Responsible Investing
http://www.articleminds.com/tag/hypo-venture-capital-zurich/Do good while making money: A guide to socially responsible investing 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 …
yasirvin; hypo venture
http://www.reuters.com/article/2011/0
March 15 (Reuters) - Global debt markets were struck by a
huge spike in volatility on Tuesday as fears of a nuclear
catastrophe in Japan sent credit spreads sharply wider and drew
mixed reactions from borrowers who are in the market with new
deals. [ID:nLDE72E1W8]
Short-term fundraising plans for some international
borrowers are now likely to be disrupted as the standstill that
began in Japan's domestic bond market begins to ripple through
international debt capital markets.
March 15 (Reuters) - Global debt markets were struck by a
huge spike in volatility on Tuesday as fears of a nuclear
catastrophe in Japan sent credit spreads sharply wider and drew
mixed reactions from borrowers who are in the market with new
deals. [ID:nLDE72E1W8]
Short-term fundraising plans for some international
borrowers are now likely to be disrupted as the standstill that
began in Japan's domestic bond market begins to ripple through
international debt capital markets.
nataliakurdova: hypo venture
- FACTBOX-Status of Asian and European bond deals after Japan http://t.co/4PuG7n3
- Hypo Venture Capital Zurich: INVESTING MONEY FOR 2011 AND BEYOND http://t.co/k06HKhr
- Hypo Venture Capital � The Stock Market � Ways to Make Money http://t.co/R3uvPJe
- Capital Raising hypo venture capital zurich http://t.co/MGjwekd
- Ronson: Lenders' bad debt is the stumbling block for developer http://t.co/eRYlnsp
- Hypo Venture Capital Zurich, Switzerland Retirement Investing Tips http://t.co/VLGZJ1u
- Hypo Venture Capital Zurich: INVESTING MONEY FOR 2011 AND BEYOND � BEST INVESTMENT STRATEGY http://t.co/DUPss4c
- Hypo Venture Capital http://t.co/SIIzs9y
- Search results for 'http:www.reuters.com' | Social-Bookmarking.Net http://t.co/JcDytt2 via @AddThis
- Search results for 'http:www.pr-usa.net' | Social-Bookmarking.Net http://t.co/vcesab3 via @AddThis
- Search results for 'http:www.independent.co.uk' | Social-Bookmarking.Net http://t.co/L099Y6F via @AddThis
- buzzed up Ronson: Lenders bad debt is the stumbling block for developers http://y.ahoo.it/cuAyDJqb
- kirtsy / Upcoming http://t.co/nXMqR2z
- Search%2520results%2520for%2520%2527http%253Awww.integralcapital.com.au%2527%2520%257C%2520Social-Bookmarking.Net
sakimaford; hypo venture
- http://www.openpr.com/news/169005/Cash-Needed-for-Retirement-by-Dynamic-Wealth-Management-Zurich-Switzerland.html
- http://dynamicwealthadvisors.com/
- http://www.192.com/atoz/business/leeds-ls1/banks-and-financial-institutions/dynamic-ltd/a21e7eb0f02f9829f28442fef2e381294cdc6000/comp/
- http://www.dynamicwealth.ca/index.php/about
- http://www.widepr.com/company_profile/3259/hypo_venture_capital.html
- http://gold.cinebarn.com/2011/03/15/hypo-venture-capital-investing-money-good-investments-for-the-investor-who-feels-clueless/
- http://www.articlesnatch.com/Article/Hypo-Venture-Capital-Zurich--Investing-Money-For-2011-And-Beyond---Best-Investment-Strategy/2171185
- http://www.upvery.com/
- http://www.articleminds.com/business/hypo-venture-capital-zurich-switzerland-retirement-investing-tips/comment-page-1/#comment-863
- http://www.calameo.com/books/00053569561be4bf06908
- http://gold.cinebarn.com/2011/03/15/hypo-venture-capital-investing-money-good-investments-for-the-investor-who-feels-clueless/
- http://quanypayne.livejournal.com/8114.html
- http://alekaackley.newsvine.com/_news/2011/03/18/6298365-hypo-venture-capital-zurich-how-much-money-is-needed-for-retirement
- http://www.articleminds.com/tag/hypo-venture-capital-zurich/
- http://www.articleminds.com/business/hypo-venture-capital-zurich-switzerland-retirement-investing-tips/
- http://www.articlesbase.com/investing-articles/hypo-venture-capital-zurich-investment-plans-how-to-choose-the-best-4431881.html
- http://www.calameo.com/books/00053569561be4bf06908
- http://www.articlealley.com/article_2141018_19.html
- http://www.reuters.com/article/2011/03/16/credit-newissues-idUSLDE72E1VT20110316
- http://www.integralcapital.com.au/pages/venture-capital.php?gclid=COWusuSr66cCFYtDHAodOBsCbA
randyausburn: hypo venture
|
FACTBOX-Status of Asian and European bond deals after Japan: hypo venture
March 15 (Reuters) - Global debt markets were struck by a huge spike in volatility on Tuesday as fears of a nuclear catastrophe in Japan sent credit spreads sharply wider and drew mixed reactions from borrowers who are in the market with new deals. [ID:nLDE72E1W8]
Short-term fundraising plans for some international borrowers are now likely to be disrupted as the standstill that began in Japan's domestic bond market begins to ripple through international debt capital markets.
FACTBOX-Status of Asian and European bond deals after Japan: hypo venture
March 15 (Reuters) - Global debt markets were struck by a huge spike in volatility on Tuesday as fears of a nuclear catastrophe in Japan sent credit spreads sharply wider and drew mixed reactions from borrowers who are in the market with new deals. [ID:nLDE72E1W8]
Short-term fundraising plans for some international borrowers are now likely to be disrupted as the standstill that began in Japan's domestic bond market begins to ripple through international debt capital markets.
ASIAN DEALS
JAPAN
Swedish Housing Finance Corp (SBAB)
Confirmation that the A1/A+ rated issuer's first Samurai since 1999 has been pulled is expected on Wednesday.
The transaction, managed by Nikko Cordial, Citigroup and Mizuho had been slated to price on Friday. [ID:nIFR9vWR4v]
ORIX Corp (8591.T) The Japanese finance company's renminbi bond was delayed until this morning. It priced a three-year CNY400m (US$61m) via ANZ, BNP Paribas, Boom Securities, Mizuho and Standard Chartered The coupon of 2.0%, came at the tight end of the 2.00%-2.10% guidance on the back of demand that saw the offering over five times covered. [ID:nIFR4GpVlb]
URA
Pricing of an 80 billion yen, four-year bond from Urban Renaissance Agency (rated Aa2) was pushed back from March 15 to March 23.
All Nippon Airways (9202.T)In Japan's corporate sector, domestic issuance planned for Tuesday - a JPY30bn 3yr retail bond from Air Nippon Airline may be postponed
WEST JAPAN CITY BANK
A 10bn yen, 10-year domestic subordinated bond from West Japan City Bank -- may also be postponed.
ACOM
The fate of a 10 billion yen, two-year deal from Acom
(ARBN.AS) remains uncertainNICHIAS CORP.
The fate of a deal from Nichias (5393.T) Corp remains
uncertainOSAKA
A municipal issue for Osaka Prefecture was delayed
TOKYO
Tokyo Metropolitan's planned Tuesday bond sale is also on hold.
YOKOHAMA
Started marketing at the syndication group level a JPY10bn 20yr refined to JGB+8.5bp from JGB+8.5bp-9bp. Pricing expected in the second half of the week.
CHINA
Hypo Venture Capital Zurich: INVESTING MONEY FOR 2011 AND BEYOND
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.
Hypo Venture Capital Zurich | Free Articles: hypo venture
While the stock market is a great place to make money, it can also be a great place to lose it as well. When investing, it is very important to research thoroughly. Without proper research, and an education in the stock market, it can be more difficult to make money. Here at Hypo Venture Capital …
Hypo Venture Capital Zurich – Socially Responsible Investing
Here at Hypo Venture Capital Zurich 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 …
Hypo Venture Capital Zurich, Switzerland Retirement Investing Tips
Consider Many Retirement Investment Options and Diversify Portfolio
Here at Hypo Venture Capital Zurich 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.
There are so many options for retirement investment planning that even the most ambitious person can feel daunted. But learning about retirement investment strategies as a young or middle-aged adult can save all kinds of financial worries later. The soundest approach to investing for retirement is to save slowly but persistently, and invest widely with as much information as possible.
The Best Approach to Retirement Investing
Every expert has a different recommendation for the best retirement investment decisions, but some advice is universal:
1. Figure out how much retirement income will be needed. Retirement investment calculators are available online that can predict how much a given investment will be worth or how much retirement income will be needed to maintain quality of life by retirement.
2. Start now by opening an investment retirement savings account. Even a small amount, deposited every week or every paycheck, eventually adds up to substantial savings that can be used to fund a comfortable retirement.
3. Knowledge is power. Take every opportunity to learn about retirement investments, as well as the best investment planning in general, and invest money from the aforementioned retirement account wisely as opportunities appear.
4. Create a diverse portfolio. Some stocks will go up while others go down. The real estate market might be booming while sales in other areas fall. The best retirement investment planning takes this into account and invests in several different options at once to ensure a solid investment portfolio that will do well, no matter what.
Retirement Investment Options
There are many retirement investment strategies available. While the best investment plan is always to diversify, with several investments, the following options are a key part of most investment strategies aimed at yielding retirement income:
• Annuities – An annuity works like the opposite of a mortgage. Money is invested in advance, and in retirement years the annuity pays out principle and interest on the investment.
• GICs – GICs guarantee a fixed rate of interest if money is left in an investment for a pre-arranged period. Once the term of the GIC is up, retirement funds can be reinvested again until needed.
• Stocks, Bonds, and Mutual Funds – While there are differences, each of these investment vehicles is a way to speculate by investing money where it may grow – or may, possibly, shrink. The riskier the investment, the greater the potential earning. It's wise to invest a portion of retirement savings in riskier investments like stocks and mutual funds, if thorough research suggests that they have a good chance of succeeding in delivering a healthy return on investment.
• Home Equity – Real estate is always a smart investment, and paying off the family home before retirement is one of the smartest investments. House values will only rise over time, and home equity can also be used in a reverse mortgage or withdrawn in a lump sum home equity loan if money is needed to supplement retirement income.
The best move, for anyone thinking about investing for retirement, is to learn as much as possible about retirement investment strategies and consider all the options in selecting investments. Speaking with a qualified financial advisor is a first step on the way to a solid investment strategy, and the first step to a profitable retirement portfolio.
About the Author:
Stephen Holmes is a Senior Vice President at World Assets Advisory, with experience in the Financial Services industry spanning over 25ys and 3 Continents. Stephen currently directs the Portfolio Risk Management Group after moving from the Equity Derivatives Research Group 3yrs ago. He has a PhD in Experimental Particle Physics and has been working in the alternative investment industry since 1992. His interests include classical music, reading and he often is a guest speaker at corporate functions with a focus on ‘Technology in Society’.
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
Here at Hypo Venture Capital Zurich 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.
There are so many options for retirement investment planning that even the most ambitious person can feel daunted. But learning about retirement investment strategies as a young or middle-aged adult can save all kinds of financial worries later. The soundest approach to investing for retirement is to save slowly but persistently, and invest widely with as much information as possible.
The Best Approach to Retirement Investing
Every expert has a different recommendation for the best retirement investment decisions, but some advice is universal:
1. Figure out how much retirement income will be needed. Retirement investment calculators are available online that can predict how much a given investment will be worth or how much retirement income will be needed to maintain quality of life by retirement.
2. Start now by opening an investment retirement savings account. Even a small amount, deposited every week or every paycheck, eventually adds up to substantial savings that can be used to fund a comfortable retirement.
3. Knowledge is power. Take every opportunity to learn about retirement investments, as well as the best investment planning in general, and invest money from the aforementioned retirement account wisely as opportunities appear.
4. Create a diverse portfolio. Some stocks will go up while others go down. The real estate market might be booming while sales in other areas fall. The best retirement investment planning takes this into account and invests in several different options at once to ensure a solid investment portfolio that will do well, no matter what.
Retirement Investment Options
There are many retirement investment strategies available. While the best investment plan is always to diversify, with several investments, the following options are a key part of most investment strategies aimed at yielding retirement income:
• Annuities – An annuity works like the opposite of a mortgage. Money is invested in advance, and in retirement years the annuity pays out principle and interest on the investment.
• GICs – GICs guarantee a fixed rate of interest if money is left in an investment for a pre-arranged period. Once the term of the GIC is up, retirement funds can be reinvested again until needed.
• Stocks, Bonds, and Mutual Funds – While there are differences, each of these investment vehicles is a way to speculate by investing money where it may grow – or may, possibly, shrink. The riskier the investment, the greater the potential earning. It's wise to invest a portion of retirement savings in riskier investments like stocks and mutual funds, if thorough research suggests that they have a good chance of succeeding in delivering a healthy return on investment.
• Home Equity – Real estate is always a smart investment, and paying off the family home before retirement is one of the smartest investments. House values will only rise over time, and home equity can also be used in a reverse mortgage or withdrawn in a lump sum home equity loan if money is needed to supplement retirement income.
The best move, for anyone thinking about investing for retirement, is to learn as much as possible about retirement investment strategies and consider all the options in selecting investments. Speaking with a qualified financial advisor is a first step on the way to a solid investment strategy, and the first step to a profitable retirement portfolio.
About the Author:
Stephen Holmes is a Senior Vice President at World Assets Advisory, with experience in the Financial Services industry spanning over 25ys and 3 Continents. Stephen currently directs the Portfolio Risk Management Group after moving from the Equity Derivatives Research Group 3yrs ago. He has a PhD in Experimental Particle Physics and has been working in the alternative investment industry since 1992. His interests include classical music, reading and he often is a guest speaker at corporate functions with a focus on ‘Technology in Society’.
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
Hypo Venture Capital Zurich, Switzerland Retirement Investing Tips
Consider Many Retirement Investment Options and Diversify Portfolio
Here at Hypo Venture Capital Zurich 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.
There are so many options for retirement investment planning that even the most ambitious person can feel daunted. But learning about retirement investment strategies as a young or middle-aged adult can save all kinds of financial worries later. The soundest approach to investing for retirement is to save slowly but persistently, and invest widely with as much information as possible.
The Best Approach to Retirement Investing
Every expert has a different recommendation for the best retirement investment decisions, but some advice is universal:
1. Figure out how much retirement income will be needed. Retirement investment calculators are available online that can predict how much a given investment will be worth or how much retirement income will be needed to maintain quality of life by retirement.
2. Start now by opening an investment retirement savings account. Even a small amount, deposited every week or every paycheck, eventually adds up to substantial savings that can be used to fund a comfortable retirement.
3. Knowledge is power. Take every opportunity to learn about retirement investments, as well as the best investment planning in general, and invest money from the aforementioned retirement account wisely as opportunities appear.
4. Create a diverse portfolio. Some stocks will go up while others go down. The real estate market might be booming while sales in other areas fall. The best retirement investment planning takes this into account and invests in several different options at once to ensure a solid investment portfolio that will do well, no matter what.
Retirement Investment Options
There are many retirement investment strategies available. While the best investment plan is always to diversify, with several investments, the following options are a key part of most investment strategies aimed at yielding retirement income:
• Annuities – An annuity works like the opposite of a mortgage. Money is invested in advance, and in retirement years the annuity pays out principle and interest on the investment.
• GICs – GICs guarantee a fixed rate of interest if money is left in an investment for a pre-arranged period. Once the term of the GIC is up, retirement funds can be reinvested again until needed.
• Stocks, Bonds, and Mutual Funds – While there are differences, each of these investment vehicles is a way to speculate by investing money where it may grow – or may, possibly, shrink. The riskier the investment, the greater the potential earning. It’s wise to invest a portion of retirement savings in riskier investments like stocks and mutual funds, if thorough research suggests that they have a good chance of succeeding in delivering a healthy return on investment.
• Home Equity – Real estate is always a smart investment, and paying off the family home before retirement is one of the smartest investments. House values will only rise over time, and home equity can also be used in a reverse mortgage or withdrawn in a lump sum home equity loan if money is needed to supplement retirement income.
The best move, for anyone thinking about investing for retirement, is to learn as much as possible about retirement investment strategies and consider all the options in selecting investments. Speaking with a qualified financial advisor is a first step on the way to a solid investment strategy, and the first step to a profitable retirement portfolio.
About the Author:
Stephen Holmes is a Senior Vice President at World Assets Advisory, with experience in the Financial Services industry spanning over 25ys and 3 Continents. Stephen currently directs the Portfolio Risk Management Group after moving from the Equity Derivatives Research Group 3yrs ago. He has a PhD in Experimental Particle Physics and has been working in the alternative investment industry since 1992. His interests include classical music, reading and he often is a guest speaker at corporate functions with a focus on ‘Technology in Society’.
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
Here at Hypo Venture Capital Zurich 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.
There are so many options for retirement investment planning that even the most ambitious person can feel daunted. But learning about retirement investment strategies as a young or middle-aged adult can save all kinds of financial worries later. The soundest approach to investing for retirement is to save slowly but persistently, and invest widely with as much information as possible.
The Best Approach to Retirement Investing
Every expert has a different recommendation for the best retirement investment decisions, but some advice is universal:
1. Figure out how much retirement income will be needed. Retirement investment calculators are available online that can predict how much a given investment will be worth or how much retirement income will be needed to maintain quality of life by retirement.
2. Start now by opening an investment retirement savings account. Even a small amount, deposited every week or every paycheck, eventually adds up to substantial savings that can be used to fund a comfortable retirement.
3. Knowledge is power. Take every opportunity to learn about retirement investments, as well as the best investment planning in general, and invest money from the aforementioned retirement account wisely as opportunities appear.
4. Create a diverse portfolio. Some stocks will go up while others go down. The real estate market might be booming while sales in other areas fall. The best retirement investment planning takes this into account and invests in several different options at once to ensure a solid investment portfolio that will do well, no matter what.
Retirement Investment Options
There are many retirement investment strategies available. While the best investment plan is always to diversify, with several investments, the following options are a key part of most investment strategies aimed at yielding retirement income:
• Annuities – An annuity works like the opposite of a mortgage. Money is invested in advance, and in retirement years the annuity pays out principle and interest on the investment.
• GICs – GICs guarantee a fixed rate of interest if money is left in an investment for a pre-arranged period. Once the term of the GIC is up, retirement funds can be reinvested again until needed.
• Stocks, Bonds, and Mutual Funds – While there are differences, each of these investment vehicles is a way to speculate by investing money where it may grow – or may, possibly, shrink. The riskier the investment, the greater the potential earning. It’s wise to invest a portion of retirement savings in riskier investments like stocks and mutual funds, if thorough research suggests that they have a good chance of succeeding in delivering a healthy return on investment.
• Home Equity – Real estate is always a smart investment, and paying off the family home before retirement is one of the smartest investments. House values will only rise over time, and home equity can also be used in a reverse mortgage or withdrawn in a lump sum home equity loan if money is needed to supplement retirement income.
The best move, for anyone thinking about investing for retirement, is to learn as much as possible about retirement investment strategies and consider all the options in selecting investments. Speaking with a qualified financial advisor is a first step on the way to a solid investment strategy, and the first step to a profitable retirement portfolio.
About the Author:
Stephen Holmes is a Senior Vice President at World Assets Advisory, with experience in the Financial Services industry spanning over 25ys and 3 Continents. Stephen currently directs the Portfolio Risk Management Group after moving from the Equity Derivatives Research Group 3yrs ago. He has a PhD in Experimental Particle Physics and has been working in the alternative investment industry since 1992. His interests include classical music, reading and he often is a guest speaker at corporate functions with a focus on ‘Technology in Society’.
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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
Hypo Venture Capital Zurich, Switzerland Retirement Investing Tips
onsider Many Retirement Investment Options and Diversify Portfolio
Here at Hypo Venture Capital Zurich 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.
There are so many options for retirement investment planning that even the most ambitious person can feel daunted. But learning about retirement investment strategies as a young or middle-aged adult can save all kinds of financial worries later. The soundest approach to investing for retirement is to save slowly but persistently, and invest widely with as much information as possible.
The Best Approach to Retirement Investing
Every expert has a different recommendation for the best retirement investment decisions, but some advice is universal:
1. Figure out how much retirement income will be needed. Retirement investment calculators are available online that can predict how much a given investment will be worth or how much retirement income will be needed to maintain quality of life by retirement.
2. Start now by opening an investment retirement savings account. Even a small amount, deposited every week or every paycheck, eventually adds up to substantial savings that can be used to fund a comfortable retirement.
3. Knowledge is power. Take every opportunity to learn about retirement investments, as well as the best investment planning in general, and invest money from the aforementioned retirement account wisely as opportunities appear.
4. Create a diverse portfolio. Some stocks will go up while others go down. The real estate market might be booming while sales in other areas fall. The best retirement investment planning takes this into account and invests in several different options at once to ensure a solid investment portfolio that will do well, no matter what.
Retirement Investment Options
There are many retirement investment strategies available. While the best investment plan is always to diversify, with several investments, the following options are a key part of most investment strategies aimed at yielding retirement income:
• Annuities – An annuity works like the opposite of a mortgage. Money is invested in advance, and in retirement years the annuity pays out principle and interest on the investment.
• GICs – GICs guarantee a fixed rate of interest if money is left in an investment for a pre-arranged period. Once the term of the GIC is up, retirement funds can be reinvested again until needed.
• Stocks, Bonds, and Mutual Funds – While there are differences, each of these investment vehicles is a way to speculate by investing money where it may grow – or may, possibly, shrink. The riskier the investment, the greater the potential earning. It’s wise to invest a portion of retirement savings in riskier investments like stocks and mutual funds, if thorough research suggests that they have a good chance of succeeding in delivering a healthy return on investment.
• Home Equity – Real estate is always a smart investment, and paying off the family home before retirement is one of the smartest investments. House values will only rise over time, and home equity can also be used in a reverse mortgage or withdrawn in a lump sum home equity loan if money is needed to supplement retirement income.
The best move, for anyone thinking about investing for retirement, is to learn as much as possible about retirement investment strategies and consider all the options in selecting investments. Speaking with a qualified financial advisor is a first step on the way to a solid investment strategy, and the first step to a profitable retirement portfolio.
About the Author:
Stephen Holmes is a Senior Vice President at World Assets Advisory, with experience in the Financial Services industry spanning over 25ys and 3 Continents. Stephen currently directs the Portfolio Risk Management Group after moving from the Equity Derivatives Research Group 3yrs ago. He has a PhD in Experimental Particle Physics and has been working in the alternative investment industry since 1992. His interests include classical music, reading and he often is a guest speaker at corporate functions with a focus on ‘Technology in Society’.
Here at Hypo Venture Capital Zurich 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.
There are so many options for retirement investment planning that even the most ambitious person can feel daunted. But learning about retirement investment strategies as a young or middle-aged adult can save all kinds of financial worries later. The soundest approach to investing for retirement is to save slowly but persistently, and invest widely with as much information as possible.
The Best Approach to Retirement Investing
Every expert has a different recommendation for the best retirement investment decisions, but some advice is universal:
1. Figure out how much retirement income will be needed. Retirement investment calculators are available online that can predict how much a given investment will be worth or how much retirement income will be needed to maintain quality of life by retirement.
2. Start now by opening an investment retirement savings account. Even a small amount, deposited every week or every paycheck, eventually adds up to substantial savings that can be used to fund a comfortable retirement.
3. Knowledge is power. Take every opportunity to learn about retirement investments, as well as the best investment planning in general, and invest money from the aforementioned retirement account wisely as opportunities appear.
4. Create a diverse portfolio. Some stocks will go up while others go down. The real estate market might be booming while sales in other areas fall. The best retirement investment planning takes this into account and invests in several different options at once to ensure a solid investment portfolio that will do well, no matter what.
Retirement Investment Options
There are many retirement investment strategies available. While the best investment plan is always to diversify, with several investments, the following options are a key part of most investment strategies aimed at yielding retirement income:
• Annuities – An annuity works like the opposite of a mortgage. Money is invested in advance, and in retirement years the annuity pays out principle and interest on the investment.
• GICs – GICs guarantee a fixed rate of interest if money is left in an investment for a pre-arranged period. Once the term of the GIC is up, retirement funds can be reinvested again until needed.
• Stocks, Bonds, and Mutual Funds – While there are differences, each of these investment vehicles is a way to speculate by investing money where it may grow – or may, possibly, shrink. The riskier the investment, the greater the potential earning. It’s wise to invest a portion of retirement savings in riskier investments like stocks and mutual funds, if thorough research suggests that they have a good chance of succeeding in delivering a healthy return on investment.
• Home Equity – Real estate is always a smart investment, and paying off the family home before retirement is one of the smartest investments. House values will only rise over time, and home equity can also be used in a reverse mortgage or withdrawn in a lump sum home equity loan if money is needed to supplement retirement income.
The best move, for anyone thinking about investing for retirement, is to learn as much as possible about retirement investment strategies and consider all the options in selecting investments. Speaking with a qualified financial advisor is a first step on the way to a solid investment strategy, and the first step to a profitable retirement portfolio.
About the Author:
Stephen Holmes is a Senior Vice President at World Assets Advisory, with experience in the Financial Services industry spanning over 25ys and 3 Continents. Stephen currently directs the Portfolio Risk Management Group after moving from the Equity Derivatives Research Group 3yrs ago. He has a PhD in Experimental Particle Physics and has been working in the alternative investment industry since 1992. His interests include classical music, reading and he often is a guest speaker at corporate functions with a focus on ‘Technology in Society’.
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