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.
Monday, April 4, 2011
Here at Hypo Venture Capital
Here at Hypo Venture Capital we are committed to offering our clients access to the latest and broadest range of financial services and products on the market. We know that choosing the right strategy, the right investment and the right product is no easy task in this day and age! Whether its advice, investments or financial planning we are here to answer all your questions and facilitate all your financial needs.Investing money in 2011 through 2012 may require that most people change their thinking about the best investment strategy. Traditional investing strategy for average folks suggests an asset allocation of over 50% to stock funds, about 40% to bond funds, and the rest to perhaps a precious metals (gold) fund for added diversification. In the world of investing money, times are changing; especially for bonds and gold.In putting together your investment strategy one of the best ways to focus is to consider the flow of money between asset classes over the recent months and years. In the investing world money always goes someplace, and it tends to concentrates in different areas at different times. When money floods an asset class like bonds or gold, prices can rise dramatically. When it makes a grand exit prices can tumble. Extremes in price movements should grab your attention when investing money for 2011 and beyond, especially when you hear mention of the word “bubble”.In the months leading up to 2011, investors both large and small were investing money heavily in bonds and in precious metals like gold. This investment strategy was among the best as prices in both asset classes climbed to record or near record highs. Millions of everyday folks threw money at bond funds and some discovered gold funds. The question going forward: are prices at extremes, and is either investment a bubble waiting to deflate or burst? Let’s look at bonds first.Investors have flooded bond funds with an additional net inflow of hundreds of billions of dollars while pulling money out of stock funds in recent times. The bond funds have then taken this money and bought more bonds, in the process sending bond prices up to extremes. This has pushed bond yields (interest income as a percentage) to near-record lows. Looking back to 1981, the 10-year Treasury note (intermediate-term government bonds) hit a high yield of 14%. Today they’re paying less than 3%, near historical lows. The problem: investing money in bonds and bond funds carries a significant risk today. When interest rates go UP, bond prices (values) will FALL. If there is a bubble here it will deflate as investors rush to pull money out of bonds.The best investment strategy for 2011 in the bond department is to avoid long-term bonds and funds that invest in them because they will get hit the hardest when rates go up. Who wants to get stuck at a low fixed interest rate for 20 or so years when rates are going up? Go with shorter-term funds holding average bond maturities of 7 years or less. DON’T chase bond funds; consider cutting back your holdings. Investing too much money here has too much downside risk associated with it unless you’re willing to speculate that interest rates and our economy will stay depressed well beyond 2011.Now let’s get a perspective on gold prices that recently glittered at an all-time high of over 00 an ounce. In 1999 gold sold for as little as 3. Investing money in 2011 and beyond in gold or gold funds at these prices is as much speculation as it is hedging against disaster. The best investment strategy here is to take some profits if you have them. If you missed the boat in gold, wait for the next one. The price of gold has been unstable at best since the yellow metal resumed trading in the U.S. in the mid-1970s. Don’t view gold as the best growth investment. View it more as a speculative bubble with risk outweighing future profit potential. The price would have to go up 00 an ounce in order to double your money at recent prices. This is not a likely scenario.Now that you’ve cut back on bonds and precious metals, what’s the best investment strategy for the rest of your money? Unless you’re over the age of 80 and/or extremely risk adverse, you need stocks in your investment portfolio. There hasn’t been a real bubble in the stock market since 1999 when the Dow peaked and closed the year at 11,497. In late 2010 that ever-popular stock market barometer was fighting just to get back to its 1999 highs after the shock delivered to it by the financial crisis of 2008.In 2011 and beyond investing money in stock (equity) funds should focus on both those that invest in domestic (U.S.) stocks, and in international funds that invest money abroad as well. You need all of the diversification you can get. Go with funds that invest money in large well established companies with a good record for paying dividends. These are less risky and volatile than growth funds that pay little if any dividends. Plus, good reliable income from either dividends or interest is hard to come by these days.For the rest of your money you need good safe investments that pay interest. Here we face another of today’s extremes: historically low interest rates at the bank and in the money markets. Even though you’re looking at less than 1% a year in interest, you’ve got to go with the flow and continue investing money here because these are truly the best safe investments. The best investment strategy for mutual fund investors: money market funds. When rates go back up your money market fund yields will automatically follow and go up accordingly.The best investment strategy for 2011 and beyond will be to diversify broadly, leaning toward a defensive posture. Investing money across all of the investment classes mentioned is still the key to long term success as an investor. Sometimes like now it’s better to be more conservative when investing, and live to chase opportunity another day.Want to know more?Hypo Venture Capital Zurich, Switzerland is an independent investment advisory firm which focuses on global equities and options markets. Our analytical tools, screening techniques, rigorous research methods and committed staff provide solid information to help our clients make the best possible investment decisions.
Balanced Investment Strategy for Portfolio Management: hypo venture
Balanced investment strategy is perhaps the most followed and successful investment strategy for portfolio management. Its primary aim is to keep a balance between investment risk and return. A balanced investment strategy combines the merit of aggressive and defensive investing strategies.
Aggressive investment strategy involves investing in high return high risk investments with the sole purpose of maximizing return from investments. It involves allocating major portion of portfolio capital to invest in equities, equity based funds and highly volatile markets. Investors following aggressive investment strategy often look for comparatively short-term profiting and wish to invest more in growth stocks, and small caps and mid cap stocks. Advantages of aggressive investing include quick profit, high return over investment and no need of large portfolio capital. It can work really well for experienced investors and investors who are very strict in their money management. Disadvantages include high risk, high volatility in total portfolio value and no surety of profit. It less supports novice investors and investor looking for monthly earnings or living costs.
Defensive investment strategy is just opposite of aggressive investment; its purpose is to preserve the capital and ensure some return from investments. It involves investing in low profit low risk investments like bonds, money market funds, treasury notes, and equities with minimum price volatility and good dividends. Defensive investors look for long-term profits and/or monthly earnings. Advantages of defensive investment strategy include reduced risk, predictable income, better investment planning and diversification of portfolio. This strategy mainly suits beginners. Disadvantages include low return from investments and requirement of high capital investments.
In balanced investment strategy, the investor tries to keep a balance between his aggressive and defensive behaviors. It involves balancing of both return and risk by diversifying investments in both high return high risk and low return low risk investments. Balanced investors often follow a portfolio capital allocation rule telling how much to invest in equities and bonds and how much to invest in treasury notes, precious metals and funds. Usually one portion of portfolio is actively managed and other portion is left to grow automatically. Balanced investment strategy can be slightly aggressive or slightly defensive with respect to investments made.
The greatest advantage of balanced investment strategy is the diversification of portfolio and hedging against high total portfolio value volatility. It is good for investors looking for medium-term (3 to 5 years) profits. Other advantages include flexibility in portfolio management, better results with better capital investments, (almost) predictable income and manageable portfolio risk. Balanced investment strategy support both beginners and experienced investors and can be an option for monthly earnings for living.
Aggressive investment strategy involves investing in high return high risk investments with the sole purpose of maximizing return from investments. It involves allocating major portion of portfolio capital to invest in equities, equity based funds and highly volatile markets. Investors following aggressive investment strategy often look for comparatively short-term profiting and wish to invest more in growth stocks, and small caps and mid cap stocks. Advantages of aggressive investing include quick profit, high return over investment and no need of large portfolio capital. It can work really well for experienced investors and investors who are very strict in their money management. Disadvantages include high risk, high volatility in total portfolio value and no surety of profit. It less supports novice investors and investor looking for monthly earnings or living costs.
Defensive investment strategy is just opposite of aggressive investment; its purpose is to preserve the capital and ensure some return from investments. It involves investing in low profit low risk investments like bonds, money market funds, treasury notes, and equities with minimum price volatility and good dividends. Defensive investors look for long-term profits and/or monthly earnings. Advantages of defensive investment strategy include reduced risk, predictable income, better investment planning and diversification of portfolio. This strategy mainly suits beginners. Disadvantages include low return from investments and requirement of high capital investments.
In balanced investment strategy, the investor tries to keep a balance between his aggressive and defensive behaviors. It involves balancing of both return and risk by diversifying investments in both high return high risk and low return low risk investments. Balanced investors often follow a portfolio capital allocation rule telling how much to invest in equities and bonds and how much to invest in treasury notes, precious metals and funds. Usually one portion of portfolio is actively managed and other portion is left to grow automatically. Balanced investment strategy can be slightly aggressive or slightly defensive with respect to investments made.
The greatest advantage of balanced investment strategy is the diversification of portfolio and hedging against high total portfolio value volatility. It is good for investors looking for medium-term (3 to 5 years) profits. Other advantages include flexibility in portfolio management, better results with better capital investments, (almost) predictable income and manageable portfolio risk. Balanced investment strategy support both beginners and experienced investors and can be an option for monthly earnings for living.
Balanced Investment Strategy for Portfolio Management
Balanced investment strategy is perhaps the most followed and successful investment strategy for portfolio management. Its primary aim is to keep a balance between investment risk and return. A balanced investment strategy combines the merit of aggressive and defensive investing strategies.
Aggressive investment strategy involves investing in high return high risk investments with the sole purpose of maximizing return from investments. It involves allocating major portion of portfolio capital to invest in equities, equity based funds and highly volatile markets. Investors following aggressive investment strategy often look for comparatively short-term profiting and wish to invest more in growth stocks, and small caps and mid cap stocks. Advantages of aggressive investing include quick profit, high return over investment and no need of large portfolio capital. It can work really well for experienced investors and investors who are very strict in their money management. Disadvantages include high risk, high volatility in total portfolio value and no surety of profit. It less supports novice investors and investor looking for monthly earnings or living costs.
Defensive investment strategy is just opposite of aggressive investment; its purpose is to preserve the capital and ensure some return from investments. It involves investing in low profit low risk investments like bonds, money market funds, treasury notes, and equities with minimum price volatility and good dividends. Defensive investors look for long-term profits and/or monthly earnings. Advantages of defensive investment strategy include reduced risk, predictable income, better investment planning and diversification of portfolio. This strategy mainly suits beginners. Disadvantages include low return from investments and requirement of high capital investments.
In balanced investment strategy, the investor tries to keep a balance between his aggressive and defensive behaviors. It involves balancing of both return and risk by diversifying investments in both high return high risk and low return low risk investments. Balanced investors often follow a portfolio capital allocation rule telling how much to invest in equities and bonds and how much to invest in treasury notes, precious metals and funds. Usually one portion of portfolio is actively managed and other portion is left to grow automatically. Balanced investment strategy can be slightly aggressive or slightly defensive with respect to investments made.
The greatest advantage of balanced investment strategy is the diversification of portfolio and hedging against high total portfolio value volatility. It is good for investors looking for medium-term (3 to 5 years) profits. Other advantages include flexibility in portfolio management, better results with better capital investments, (almost) predictable income and manageable portfolio risk. Balanced investment strategy support both beginners and experienced investors and can be an option for monthly earnings for living.
Retrieved from “http://www.articlesbase.com/investing-articles/balanced-investment-strategy-for-portfolio-management-540229.html”
Aggressive investment strategy involves investing in high return high risk investments with the sole purpose of maximizing return from investments. It involves allocating major portion of portfolio capital to invest in equities, equity based funds and highly volatile markets. Investors following aggressive investment strategy often look for comparatively short-term profiting and wish to invest more in growth stocks, and small caps and mid cap stocks. Advantages of aggressive investing include quick profit, high return over investment and no need of large portfolio capital. It can work really well for experienced investors and investors who are very strict in their money management. Disadvantages include high risk, high volatility in total portfolio value and no surety of profit. It less supports novice investors and investor looking for monthly earnings or living costs.
Defensive investment strategy is just opposite of aggressive investment; its purpose is to preserve the capital and ensure some return from investments. It involves investing in low profit low risk investments like bonds, money market funds, treasury notes, and equities with minimum price volatility and good dividends. Defensive investors look for long-term profits and/or monthly earnings. Advantages of defensive investment strategy include reduced risk, predictable income, better investment planning and diversification of portfolio. This strategy mainly suits beginners. Disadvantages include low return from investments and requirement of high capital investments.
In balanced investment strategy, the investor tries to keep a balance between his aggressive and defensive behaviors. It involves balancing of both return and risk by diversifying investments in both high return high risk and low return low risk investments. Balanced investors often follow a portfolio capital allocation rule telling how much to invest in equities and bonds and how much to invest in treasury notes, precious metals and funds. Usually one portion of portfolio is actively managed and other portion is left to grow automatically. Balanced investment strategy can be slightly aggressive or slightly defensive with respect to investments made.
The greatest advantage of balanced investment strategy is the diversification of portfolio and hedging against high total portfolio value volatility. It is good for investors looking for medium-term (3 to 5 years) profits. Other advantages include flexibility in portfolio management, better results with better capital investments, (almost) predictable income and manageable portfolio risk. Balanced investment strategy support both beginners and experienced investors and can be an option for monthly earnings for living.
Retrieved from “http://www.articlesbase.com/investing-articles/balanced-investment-strategy-for-portfolio-management-540229.html”
Hypo Venture Capital Investing Money: Good Investments for the Investor Who Feels Clueless
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.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 http://www.hypovc.com
Hypo Venture Capital Zurich: INVESTING MONEY FOR 2011 AND BEYOND – BEST INVESTMENT STRATEGY
Here at Hypo Venture Capital we are committed to offering our clients access to the latest and broadest range of financial services and products on the market. We know that choosing the right strategy, the right investment and the right product is no easy task in this day and age! Whether its advice, investments or financial planning we are here to answer all your questions and facilitate all your financial needs.Investing money in 2011 through 2012 may require that most people change their thinking about the best investment strategy. Traditional investing strategy for average folks suggests an asset allocation of over 50% to stock funds, about 40% to bond funds, and the rest to perhaps a precious metals (gold) fund for added diversification. In the world of investing money, times are changing; especially for bonds and gold.In putting together your investment strategy one of the best ways to focus is to consider the flow of money between asset classes over the recent months and years. In the investing world money always goes someplace, and it tends to concentrates in different areas at different times. When money floods an asset class like bonds or gold, prices can rise dramatically. When it makes a grand exit prices can tumble. Extremes in price movements should grab your attention when investing money for 2011 and beyond, especially when you hear mention of the word “bubble”.In the months leading up to 2011, investors both large and small were investing money heavily in bonds and in precious metals like gold. This investment strategy was among the best as prices in both asset classes climbed to record or near record highs. Millions of everyday folks threw money at bond funds and some discovered gold funds. The question going forward: are prices at extremes, and is either investment a bubble waiting to deflate or burst? Let’s look at bonds first.Investors have flooded bond funds with an additional net inflow of hundreds of billions of dollars while pulling money out of stock funds in recent times. The bond funds have then taken this money and bought more bonds, in the process sending bond prices up to extremes. This has pushed bond yields (interest income as a percentage) to near-record lows. Looking back to 1981, the 10-year Treasury note (intermediate-term government bonds) hit a high yield of 14%. Today they’re paying less than 3%, near historical lows. The problem: investing money in bonds and bond funds carries a significant risk today. When interest rates go UP, bond prices (values) will FALL. If there is a bubble here it will deflate as investors rush to pull money out of bonds.The best investment strategy for 2011 in the bond department is to avoid long-term bonds and funds that invest in them because they will get hit the hardest when rates go up. Who wants to get stuck at a low fixed interest rate for 20 or so years when rates are going up? Go with shorter-term funds holding average bond maturities of 7 years or less. DON’T chase bond funds; consider cutting back your holdings. Investing too much money here has too much downside risk associated with it unless you’re willing to speculate that interest rates and our economy will stay depressed well beyond 2011.Now let’s get a perspective on gold prices that recently glittered at an all-time high of over 00 an ounce. In 1999 gold sold for as little as 3. Investing money in 2011 and beyond in gold or gold funds at these prices is as much speculation as it is hedging against disaster. The best investment strategy here is to take some profits if you have them. If you missed the boat in gold, wait for the next one. The price of gold has been unstable at best since the yellow metal resumed trading in the U.S. in the mid-1970s. Don’t view gold as the best growth investment. View it more as a speculative bubble with risk outweighing future profit potential. The price would have to go up 00 an ounce in order to double your money at recent prices. This is not a likely scenario.Now that you’ve cut back on bonds and precious metals, what’s the best investment strategy for the rest of your money? Unless you’re over the age of 80 and/or extremely risk adverse, you need stocks in your investment portfolio. There hasn’t been a real bubble in the stock market since 1999 when the Dow peaked and closed the year at 11,497. In late 2010 that ever-popular stock market barometer was fighting just to get back to its 1999 highs after the shock delivered to it by the financial crisis of 2008.In 2011 and beyond investing money in stock (equity) funds should focus on both those that invest in domestic (U.S.) stocks, and in international funds that invest money abroad as well. You need all of the diversification you can get. Go with funds that invest money in large well established companies with a good record for paying dividends. These are less risky and volatile than growth funds that pay little if any dividends. Plus, good reliable income from either dividends or interest is hard to come by these days.For the rest of your money you need good safe investments that pay interest. Here we face another of today’s extremes: historically low interest rates at the bank and in the money markets. Even though you’re looking at less than 1% a year in interest, you’ve got to go with the flow and continue investing money here because these are truly the best safe investments. The best investment strategy for mutual fund investors: money market funds. When rates go back up your money market fund yields will automatically follow and go up accordingly.The best investment strategy for 2011 and beyond will be to diversify broadly, leaning toward a defensive posture. Investing money across all of the investment classes mentioned is still the key to long term success as an investor. Sometimes like now it’s better to be more conservative when investing, and live to chase opportunity another day.Want to know more?Hypo Venture Capital Zurich, Switzerland is an independent investment advisory firm which focuses on global equities and options markets. Our analytical tools, screening techniques, rigorous research methods and committed staff provide solid information to help our clients make the best possible investment decisions.
jeffersonlao: hypo venture
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