Archive for the ‘Investment’ Category
Investing Tips for Beginners
July 27th, 2011 | 
Author: 
1. All types of investment risk. The higher the return that is obtained the greater the risk that must be taken, and vice versa. And for a period of time, the longer the time we invest, the higher the risk we take.
2. Determine the purpose of investing, of these goals can we set the type of investment and invest our time. Examples: investment in education, can 10-year period, investments for pension funds, the period can be 20-30 years.
3. Start investing as soon as possible, even with a small amount of initial investment.
4. To reduce the risk, do diversification and asset allocation investment (or do not invest just one type of instrument only). It is this factor that causes the mutual fund is very popular, because it gives investors the opportunity to invest in some type of stock / bond without the capital that is too big.
5. To reduce the risk of entry when the “wrong” caused by the ups and downs of the market, apply the method of “Dollar Cost Averaging”, namely how to invest is made in installments at different times.
6. Learn about products / investment instruments before purchasing. Never be ashamed to ask.
7. Make sure to buy an investment product from a reputable financial institutions and financial strength is good.
8. Take advantage of the services available at this time to facilitate the purchase of investment products, such as Auto-Debit and Online Subscription facilities via the Internet.
9. Perform regular monitoring and periodic, at least every year.
Incoming search terms:
Posted in 
Tags: 
Wall Street, Best Record on September
U.S. stocks closed down in trading on Thursday (09/30/2010) local time, after the rose in early trading. However, this Thursday was recorded as the strongest since September 1939. Historically one of the slowest months of the year, September showing the Dow Jones index closed 7.72 percent higher than the previous month, despite the U.S. economic recovery is still slow.
The last time Wall Street saw a strong September, when the Dow Jones soared 13.49 percent, is when it happens suddenly tibai World War II are expected to bring strong increase in demand for U.S. manufactured goods which is a war material.
But analysts said the figures do not reflect historical optimism Thursday about the U.S. economy because it struggled to emerge from one of the worst recession in decades.
Advantages of September is’ a combination of technical and sentiment drivers for opposing any strong expectation that the economy began to be much better. It would be a mistake to draw the conclusion that market power is the voice of confidence in a significant increase in the U.S. economy. The blue-chip stock index Dow Jones Industrial Average fell 47.23 points (0.44 percent) to 10,788.05 at the closing bell, while the S & P 500 index fell 3.53 points (0.31 percent) to 1141.20 points. Technology-heavy Nasdaq composite index lost 7.94 points (0.33 percent) to 2368.62 points.
Third index opened trading with strong gains after new data support the expectation that the U.S. economy recover as speculation grows about whether the Federal Reserve will move to shore up ailing economy.
Shortly before the opening bell, the Commerce Department said the U.S. economy grew slightly more than ever in the second quarter of 2010. Gross domestic product, which measures output of goods and services in the United States, increased at an annual rate of 1.7 percent in the second quarter. This figure marked a sharp decline from the first quarter, when GDP rose 3.7 percent.
At the same time, the Labor Department released figures showing the number of Americans who filed new claims for unemployment benefits fell more than expected last week for the third time in four weeks.
Claims for the week up to 25 September fell to 453,000, down from 16,000 the previous week’s revised figure, according to the Labor Department. Latest figures also beat expectations of most analysts.
Separately, the ISM-Chicago Business Survey rose in September, noting a full twelve months of expansion, showed increased industrial activity in key areas.
Trade is also supported by rising 4.14 percent stake in AIG after the troubled U.S. insurer said it reached an agreement to pay a multi-billion bailout dollar received at the height of the global financial crisis.
Among stocks in focus on Thursday, the U.S. aerospace giant Boeing demonstrated its shares rose 0.86 percent after winning government contracts and even announced it was delaying delivery of new cargo aircraft 747-8 into mid-2011 due to findings of problems during test flights. Avis car rental stock rose 1.13 percent after it said ready to increase by 20 million dollar offer to buy Dollar Thrifty after refusing an offer of acquisition of rival Hertz, whose shares slumped four percent.
Flowing Out of Foreign Funds
After a massive get out during May 2010, this month re-entry of foreign funds into the financial and capital markets of Indonesia. This condition makes the exchange rate tends to strengthen again.
Director of Economic Research and Monetary Policy Bank Indonesia (BI) Perry Warjiyo, Monday (21/06/2010) in Jakarta, explained that the flow of foreign funds back in because the trust fund to invest in emerging markets, including Indonesia, back up. Moreover, the prospect for the Indonesian economy continues to improve.
Foreign funds in Bank Indonesia Certificates (SBI), for example, increased to Rp 4.2 trillion in the past week. This makes foreign funds in SBI reached Rp 37.7 trillion as of June 18, 2010.
Earlier, during May 2010, foreign funds flowing out of the SBI increased uncertainty following the European settlement of the crisis. At that time, foreign investors pulled their funds from the SBI and transferred to the U.S. dollar denominated instruments, which is considered more secure.
Throughout the month of May, foreign funds out of the SBI Rp 47 trillion, this makes a significant weakening of rupiah exchange rate. As a result of it all, the position of foreign funds in SBI dropped, from Rp 82.99 trillion at the end of April 2010 to Rp 36.36 trillion at the end of May 2010.
According to Perry, in addition to the SBI, the foreign funds are also flowing into the SBN and stocks. As of June 18, 2010, the position of foreign funds in the SBN Rp 151.68 trillion, an increase of USD 7.6 trillion, compared to the end of May 2010 which is only Rp 144.09 trillion. In the same period, total SBN increased 4.82 trillion, from Rp 609.68 trillion to Rp 614.5 trillion. This means that all additional SBN hired in June 2010 on foreigners.
Earlier, such as SBI, foreign positions in the SBN down around Rp 4 trillion during May 2010 due to the crisis in Europe.
In the stock market, boost the flow of foreign funds Composite Stock Price Index in Indonesia Stock Exchange. In trading yesterday, the Jakarta Composite Index rose 12.31 points to 2941.9 levels. Foreign investor transactions recorded a net buy USD 423.3 billion.
Perry explains, the BI policy requires that investors hold a minimum one-month SBI (one-month holding period) in fact, do not reduce foreign interest in buying SBI. Foreign investors precisely assess the prospects for Indonesia’s financial markets become better with the policy.
Economist Dradjad Wibowo rate, the policy of the holding period of one month is good. However, coordination should be accompanied with the Ministry of Finance to avoid speculation SBN made due to excess liquidity event.
As the improving outlook for the Indonesian economy, the international rating agency Moody’s yesterday raised Indonesia’s debt rating outlook in the domestic and foreign currency from stable to positive. Positive Outlook indicates the possibility of Indonesia to increase the ranking in one year ahead, in which Indonesia needs two more notch to investment grade from Moody’s.
In a press release, Moody’s explained, a positive outlook also reflects the strengthening of the Indonesian economy to grow a sustainable, balanced by the effectiveness of fiscal and monetary policy stability
Incoming search terms:
Different Securities in the Market
There are different securities in the market today that we can choose from. They are all forms of investments or different ways to keep you money somewhere besides a bank. They can offer great returns if you know what you are doing. If you don’t, I suggest you seek the help of a professional before you start investing blindly.
Let’s start with Mutual Funds. This is one of the most common investment vehicles that people use in today’s world. Most employees who invest in a 401k have mutual funds in their portfolios. They are pooled investment accounts that allow the employee to invest if different things with little money. You can invest in a wide range of things when it comes to mutual funds. They are generally stocks and bonds for most people. Most of them are managed by professional money managers that you hire. They are paid from the investments that they make for you. Check with a professional to learn more before you get started.
Stocks are also an option that you can use to invest. Stocks are where you buy shares of ownership of a specific company. The value of the shares will move up and down with the market and with the company’s overall performance. Once again, check with a professional before getting started.
Exchange Traded Funds are another form of investment. They are generally called ETF’s and are pooled investments that mirror a market or index. They are traded by individuals mostly. They offer the investor a way of investing without the cost associated with professional management. You still need to seek professional education before investing. They have become very popular over the past 15 years. Lots of people use them.
Unit investment trusts are fixed groups of different investments whose shares are sold to individual investors. Many ETF’s are sold and organized into these trusts.
Closed end mutual funds are another type of investment trust. They are trust that is fixed groups of securities that are traded by individual investors and are professionally managed.
Investing takes education just like everything else. Please seek to have a good education before you think about investing. This will save you from loosing lots of money in your life if you just spend a little time learning from someone who has been there already.
Incoming search terms:
- future investments (2)
- استثمار (2)
Indonesia Opens Doors to Foreign Investment
Indonesia on Wednesday raised foreign ownership caps in sectors such as agriculture and health care in a bid to lure offshore investment and remove legal uncertainty. President Susilo Bambang Yudhoyono signed a decree intended to clear up doubts about foreign ownership which have hobbled investment across a range of industries, officials said.
In particular it will open up the staple food plantation sector for the first time, though foreign holdings were capped at 49 percent of individual companies. “This comes into immediate effect,” Investment Coordinating Board chairman Gita Wirjawan told AFP.
“The most significant thing about this is that there is a rule, a regulation, that tells them (foreign investors) how much they can invest… Everything is clear now.”
Indonesia’s expanding middle class, natural resources, low wages, political stability and domestic market of some 240 million people have made it an increasingly attractive destination for foreign investment. But investors complain that they are being held back by red tape, overlapping regulations, corruption and a lack of legal certainty despite Yudhoyono’s promises to remove “investment bottlenecks”.
“The aim is to basically provide a clear-cut and simple explanation as to the extent to which foreign investors can invest in any particular sector. This was not the case previously,” Wirjawan said.
The ceiling for foreign ownership in hospitals rose to 67 percent nationwide compared to 65 percent in certain major provinces only. But the lowering of barriers to foreign investment did not go as far as telecommunication towers, despite strong overseas interest.
Actual foreign direct investment dropped around 20 percent in 2009 to 10 billion dollars from a year earlier amid the global economic crisis. The Bin Laden Group from the Middle East last year cancelled a plan to invest around one billion in a food estate project in Papua province because the government planned to cap its share in the project at 49 percent.
The opening up of the hospital sector could pave way for some regional healthcare providers, such as Singapore’s Parkway Holdings, to enter the world’s fourth most populous country, analysts said.
Incoming search terms:
Four Steps Savings and Investment Balance
Security financially is very desirable and sought after by everyone. One key factor that is able to balance the amount of savings to investment.
Well, here are some recommended steps to maintain the balance of your savings and investments:
1. Prioritize short-term needs
Food, clothing, and shelter are basic human needs should be prioritized. Take time to make a list of various short-term needs as well as your long-term, and then sort by priority scale. You will be surprised to find how many luxuries in life is the lowest rank.
If you need a way to save more money, start by cutting the frequency of eating and drinking at expensive restaurants, designer clothes shopping, etc. only because of prestige. Also, consider delaying the long-term savings plan that you are living. Better to focus on meeting emergency savings than saving for college tuition unborn child.
Refine gray area between wants and needs, to determine how much money you really need if at any time to lose jobs and have no income.
2. Do not run away from the market
If you are currently investing and stock prices decline slowly, not time to panic and pull themselves out of the market. Instead, do your research, talk with your financial advisor, and make a wise decision. Open your eyes to the market reaction, to search for opportunities to sell some assets if you need funds in the short term.
3. Invest funds, regular and periodic
If savings are not much was allocated in the market and you have a lot of cash, then you have a good position. Say 80 percent of your money in the bank, while the remaining 20 percent invested. If you want to increase the amount of investment to 40 percent, you certainly do not want to act recklessly with a fifth straight risking your savings into the market.
Instead, get up slowly with the position of investing funds, regular and periodical, or by entering the market when the index falls.
4. Investment Diversification
Carefully the various different stocks and bonds to diversify your stock portfolio. The same thing applies to diversify your investment choices. If you now have sufficient savings and secure jobs, consider buying a house, land, or gold as an investment.
Incoming search terms:
Improving The Financial Situation and Investment Ideas
Financial and trade transactions, a virtual mouse click away, people are smart to find more financial resources and know how to fatten their financial functions.
Because people rely on banks and property safer days of service, other companies are smart enough and worldly enough click on the green ball more financing options. Do not just let their money sit idly inside a bank and wait cruinneachán plus interest. A few actually roll their money to venture and invest in shares, bonds and currencies are high.
Populations can be very risky, but if you start small and give yourself time to reach the same autumn, you can enjoy and also can be gift prospects. Looking at the people who are only in the area. These are often companies that are very promising.
Licences may also mean the return on investment but is probably the best and safest financial information. The group should have, and should not be omitted from the financial portfolio.
Currencies are more difficult to treat its value depends on many forces, local and national, regional and global levels. While banks offer foreign currency, most high rate. Other, but not to buy and sell currencies to maintain the possibility of a financial institution.
Read the rest of this entry »