How To Gauge The Volatility Of A Stock Market Investment

Do Your Research
You can find a great deal of information in the stock tables of your local newspaper, or your favorite financial industry publication. Those stock tables contain a wealth of information you can use to gauge the volatility of a stock market investment. Turn to the stock table in your favorite financial publication. Locate the 52-week high and low for each stock you plan to invest in.

Compare the 52-week high for the stock to the 52-week low. The difference between the 52-week high and the low is a good indicator of how volatile the stock has been over the last year, and how volatile it is likely to be in the future.

Contact the Company
Contact the investor relations department at each company and request a copy of the annual report. Some companies publish these reports online, so you might be able to find past annual reports on the company’s website. If not, check the website and find the contact information for the investor relations department.

Review the price history of the stock as shown in the annual report. A wide spread between the annual highs and lows for the stock is an indication of a highly volatile stock. A company whose share price has been more consistent has shown far less volatility.

Practice on Paper
Create a paper portfolio and track your stocks over a period of several months. List each stock on a separate line and list the daily or weekly price in each column. Tracking the stock price over time will give you a good indication of how volatile the stock is.

While nothing can totally eliminate the inherent volatility of investing in the stock market, there are a number of strategies you can use to reduce the risks of the stock market and increase your odds of finding a winning investment.

Hedge Funds – How To Make The Right Investment Choices

After the 2008 world economic crisis, finding the right investment vehicles seems much harder and trickier. Worldwide currency, which everyone believed in, has shown its face value and, overall people have lost their confidence in the popular investment means available on the global market. However, one of the post crisis positive effects is that individuals became more aware and cautious about the significance of managing their resources appropriately and securing their assets.

Although the present day market openings sets forth an apparently endless variety of choices, making the right investment is all about selecting that alternative apposite for your means, objectives and goals on short, medium and long term. Resorting to professionals is one of the best ways to drive your worth to the right target as long as you manage to find some trustworthy, skilled, and dependable experts.

In nowadays context, the hedge fund is fairly set at the higher end of the investment opportunities scale. Working as a private pool of capital, little known to the wide public, such funds rather address the sophisticated investor that can afford hefty net investments in the prospect of likewise gains. Unlike most types of funds, a hedge fund gathers capital from a fairly limited number of individuals and, naturally the investment amounts are significantly greater, being typically believed to range between one million and six million dollars. Nevertheless, there is no investment maximal threshold regulation in place.

The hedge fund is actively run by a manager, who is in charge with all financial strategies and decisions. Once in, the investors can not set a veto on his decisions. Drawing back the capital ahead of a predetermined time span usually calls upon considerable penalties, which remain in the fund and are finally split between the remaining investors. The hedge fund manager takes up an operational commission and a performance brokerage.

In comparison with other type of investments, the hedge fund primarily differs through a wider range of investment strategies it can adopt and a more regulatory-free area of action, including short selling and hilt leveraging. No such fund is risk free, yet primarily depending on the objects of ventures, the manager can draw in high gains with relatively small risks. For instance, precious metal investments have proved to be such nest eggs. Although, one needs to be no expert to know that investing in gold – the ultimate safe heaven of all seasons- is the right investment choice for all kinds of financial portfolios, the profits of a hedge fund may considerably overrun those achievable from independent investments.

New Regulatory Body Set To Transform Britains Wine Investment Industry

NFIB and WIA to Provide Better Protection for Wine Investors

Millions of Britons enjoy drinking it and many now see it as a long-term investment. Unfortunately, fine wine has also become a focus for fraudsters who trick investors into buying wines or vineyards that bear little resemblance to what they see in the prospectus, or may not even exist. The increasing number of such rorts in Britain has led to calls for action to be taken to protect investors and to increase consumer confidence in fine wines. In the upshot, the UKs National Fraud Intelligence Bureau (NFIB) is joining forces with the newly-formed Wine Investment Association (WIA) to tackle the problem.

On 14 February 2013, the NFIB and the WIA jointly announced the launch of the new self-regulatory body which will aim to transform the growing wine investment industry by providing better protection for investors in the UK. The WIA has been formed by leading figures from the fine wine investment industry and seeks to support the sector’s growth through voluntary regulation, establishing best practices and setting up processes to identify fraudulent activity.

Director of the NFIB, Det. Supt. Dave Clark, said: “Fraudsters will always follow the money, wine investment is just the latest in a long line of investment opportunities that are being exploited and corrupted to the detriment of the industry as a whole. He added that the NFIB sees the creation of an auditable framework of self-regulation as a step towards maintaining and increasing consumer confidence, while also identifying investment companies which do not operate in accordance with the required high standards.

New Code to Tackle Wine Investment Frauds

Following an extensive consultation period, the WIA has set out the standards and procedures with which its members must comply to remain in good standing. Under the new code of conduct to be drawn up, wine investment firms will undergo stringent audits by accountancy firm Mazars. These will include checks on systems such as stock rotation and to make sure that purchase orders and invoices tally. The director of the WIA, Peter Shakeshaft, revealed that companies which successfully complete the independent audit process commissioned by the newly-formed regulatory body will bear a WIA logo offering consumers a trustworthy safety kitemark. Shakeshaft added: Our industry has been held back far too long by unscrupulous practitioners and issues around fraud. The WIA will really hold the industry to account.

Iraqi Dinar A Good Investment Option

Iraq has third largest oil reserve in the world and the Iraqi dinar is considered as a good investment option owing to an increase in oil production. The popularity of this currency has increased considerably over time. Many people prefer to buy dinar online.

Oil trading being the main asset of Iraq, it attracts a lot of investment from foreign countries every year. Oil trade has helped a great deal in developing the economic conditions of the country and many private investors are purchasing Iraqi dinar as investment. It is estimated that once the government there reach stability, the investors will make huge profits.

If you are planning to make an investment in the Iraqi currency, there are a few steps to follow:

– Do a proper research before investing and gain a good knowledge about new and old Iraqi dinar.

– There are good chances to get scammed in such an investment. Gather information about the anti counterfeiting measures of the foreign currency.

– It is very important to find an authentic dealer or else you may lose your money. The best way to buy is contacting your local bank. If they sell foreign currency, then that is the safest option. Another place to buy currency is online. It is not only fast but easy too. A good dealer will provide you with all the details and the information related to buying and the risk involved. You can easily browse online and contact a number of dealers.

Finding a credible and trustworthy dealer is a very important thing. You must write down all the doubts you have in mind and ask questions before finalizing the dealer. You can enquire from the dealer about their ratings with the Better Business bureau to check their credibility. Look for a dealer who has been in business for over 4 years. Also check with them the certificates of authenticity to see if the dinars are real. You should also see a copy of US treasury registration. Dont trust everything that a dealer has to say to you without verifying the facts.

You should also keep in mind that the return on any foreign currency is not guaranteed. Your profit will depend on a number of market factors. A lot of people have got good returns by investing in this currency over the years.

Be sure to do proper homework and take some advice from the experts before making any investment.

Tips On How To Start An Investment Club

Investment club is formed by a group of people who pool their money for joint investments. If you are a new to investing in stock market and have limited funds, starting an investment club is a great way to learn from other investors and get hands on experience in investing.

Here are some tips to starting an investment club.

1. Make sure all members understand the risks of investing. Many people who invest think they are going to be very successful, and are not prepared to lose all of their money. Unfortunately, there are no guarantees when it comes to the stock market. No one should invest money they are not willing to lose.

2. Find the right people who share the same investment objectives and goals. It is easier to get along with right minded people and learn from each other.

3. Make sure all club members agree to the partnership agreement and any other rules.

4. Join the National Association of Investors Corporation (NAIC) that provides support, information and tools on starting an investment club and investing, and publishes a monthly investor-learning magazine.

5. All members must agree to make a monthly contribution. The typical range of contribution is $20 to $100 a month. Members who contribute more than the required contribution are allowed greater share of profits.

6. Decide on how to meet and the frequency of meetings. For the initial setting up of the club, it may be best for everyone to meet in person. If all meetings are held online, it may be good to meet in person once or twice a year for social interaction. To keep up to date, it is recommended to meet 1-2 times a month.

7. Start with a small number of people. It is easier to come to an agreement when there are fewer members. When the club is established and all formal procedures are in place, new members can be invited to join.

8. Education is the main goal of an investment club. An investment club made up of educated investors will be more successful and cohesive than an investment club which is solely focused on making a profit.

9. Every investment club must have a well-defined investment style or investment philosophy. There must be clear selection criteria such as what type of stocks to invest, the acceptable risk tolerance level and rate of return. All club members should be aware of and agree to the investment style of the club.

Starting and running an investment club is an invaluable learning experience, where you can leverage on the expertise and knowledge of other investors. Investment clubs facilitate the exchange of ideas and collective decisions that are likely to produce sustainable returns.

Facts On Investment Property Mortgage You NEED To Know

When buying an investment property you are likely looking to deposit as little down as possible to advance maximum control.

Be aware that if your property value falls you may possibly have a mortgage amount that is more than the price of your property. You really want to work with a guide or coach who can offer a number of experiences and guidance.

If you pick to use a 20% down payment for investment property mortgages the world is your oyster. Most financial institutions will bend over backwards to get your business.

You are considered very low threat to default on the mortgage.

You’ll still need a good credit score and the wages needed to qualify for the mortgage, but overall, you are in good shape to shop for a mortgage anywhere you please.

You should be able to acquire the most desirable interest rates available, whether you pick to go with a fixed rate or a wavering rate.

You should also be able to negotiate an ‘open mortgage’ which means that there is no mortgage penalty (often 3 months worth of interest) if you sell the house and pay off the mortgage early.

If you aren’t able to negotiate an open mortgage then ask if your mortgage is “portable”. If it is you may be able to move this mortgage into a new investment property with no penalty or condensed penalties.

And you should be able to elude having to purchase mortgage insurance all together.

All bank and/or credit union differs on this point but with approximately minimal effort and negotiation you must be able to avoid investment property mortgage insurance.

These are the details that an veteran mortgage adviser can help you with.

Know this…Investment property mortgages are constantly changing and there are new mortgages for investment properties coming accessible almost monthly!

So again, an veteran mortgage broker is likely your best answer.

For investors, lengthy amortization periods on investment property mortgages are advantageous because of two reasons: 1.The interest paid on these mortgages are tax deductible. 2.The lower monthly payment can reduce your monthly carrying costs very nicely.

Out of everything discussed around investment property mortgages, amortization periods get the most animated response from public.

There are details, fine print and exceptions to almost everything.

Things like mortgage penalties, mortgage insurance rates and mortgage stipulations need to be addressed.

So you will need to do your research and make sure the investment property mortgages you use are exact for you.

Ask questions, don’t be scared.

If what the bank or mortgage adviser is offering you is confusing, get clarification.

To meet experts in investment property mortgage who are limitedly available, go to SixFigureSyndication.com

Is Whole Life Insurance Investment a Worthy Investment

A whole life insurance investment is a relatively simple concept. You will be presented with a product that has a set premium and you will be paid the agreed upon amount of the death benefit at the end of the policy holders life. You will also have an investment component included in the policy. All money you contribute over and above the premium will be placed into a cash value account which is then invested on your behalf by the insurer.

Apart from providing you with cash value account and a guaranteed death benefit to leave to your heirs a whole life investment has some other features as well. You have the option to borrow against the cash value your policy or fully withdraw an amount if you have an emergency need for the funds available during the life of the policy.

The theory behind a whole life policy is that it will pay out set death benefit and a cash value to your beneficiaries all while you are guaranteed a set, unchanging premium for the life of the policy. It does more than this, though, when you consider the fact that all the money is tax free and/or tax deferred.

Because of this tax free feature you will have the ability to make a portfolio that can achieve a number of goals that you otherwise may not be able to. You can actually use the whole life policy to secure a smooth succession in the case of a family owned business or to protect your other assets.

You may be met with derision about your interest in a whole life insurance investment by detractors who say that it isnt a real investment because it isnt run like ones stocks, bonds, and mutual funds. While it may not grow that fast, it has the potential to a much safer long term investment since it is done in a safer manner that is designed to ensure your money keeps growing despite market ups and downs.

A whole life insurance investment policy is generally seen as a “savings asset” as opposed to an “investment asset” because your money is saved and grown in a much less aggressive fashion than regular stocks and bonds. With a whole life insurance policy your additional money will be placed into a savings account where it will accrue interest. You dont have to invest the money within this savings account, but you can do so if you wish to. The savings account on its own, though, will become a huge asset over time.

All About Property Investment in Canada

Canada is the best place for property investment. Many foreign investors are interested in buying property in Canada. As real estate investment in Canada offers some value. There are many advantages of buying the investment property in Canada. Although Canada is less expensive place to live and the standard of living is high.

How Canada come up as a Hot Investment Destination?

One thing that makes Canada a unique place is a beautiful landscape that has left with a large unspoilt and undeveloped locations of Canada. The mixture of modernism with the rustic charm of natural features and attractions is what defines Canada.

The near by cities of US-Canadian border have much developed to be in count of modern twenty-first century cities. Canada has enjoyed the pleasure of getting the maximum status in the worlds top most livable cities. This is because of the huge development in the country. Focus on development of Canadian cities is the major factor of becoming it as the hottest property investment destination of the world.

Why most of the people prefer property investment in Canada ?

Property agents, foreign investors and Canadian citizens are interested in buying the property in Canada, as Canada becomes the most desirable place to live. So the property investment in Canada is also becoming the most attractive prospect. Moreover, the property in Canada has good value because of the increasing demand day by day and as a reaction of which the value of property will also go on rising day by day. The most beneficial part of purchasing property in Canada is that the land is less expensive and the cost of living is lower but the standard of living is high.

Following are the ways to find the investment property in Canada:

-Talk to people. Let them know that you are looking for property and sometimes the property will come to you through them. There are lots of people who havent listed their property but want to sell.
-Online searching. Use internet for searching. Open any browser, enter the type of property, along with the city name where you want to invest in.
-Pay attention to different sign boards like “For Sale by Owner”. Owners often do this to get direct buyers without spending much on ads.
-Search abandoned properties. This type of property, owner might sell cheap.
-Contact to some good property agents. They will charge you but you will get your desirable property.
-Old FSBO ads. Find one/two months old “For sale By Owner” ads, Call them and if they have not sold their property yet then they may be ready to deal. Sometimes owners give up the effort, but still interested to sell.
-Put an ad in the newspaper might help you to generate few calls.
-Talk to bankers might help you to get cheaper property if they have not yet listed it to some real estate agent.

Emerging Market Investment Advice Tips

The emerging market describes a broad range of markets from second and third world countries. It encompasses economies such as China and Brazil, together with countries in Africa and Asia. Generally, the term emerging markets represents economies which are as yet not fully developed, and subsequently an investment in an emerging market can often be high risk but has the potential to yield great returns as their economies are still developing.

If you are considering investing in emerging markets, these advice tips are worth considering.
Do not put all your eggs in the one basket: No financial portfolio should be tied up with just one investment, and any investment in the emerging market should not comprise a dominant percentage of a portfolio.

Long term view: The emerging market has been likened to investing in America in the 1920s as over forty years an investor would have gained a substantial return on any investment. In that time he would have seen prices drop through the floor. This is similar to emerging market investment today, so be prepared to take a long term view to good returns.

Advice: Obtaining general advice on the emerging market is essential, especially if you are new to financial investment. Financial advisors, banks, and other institutions seem like good places to gain valuable advice on the surface. More often than not however, the investor who seeks guidance from these places often pays for advice they do not need, as many of the best decisions can and should be handled by the investor.

A few financial investment companies have realised this and take a hands off approach and only step in with general advice if needed. These are the companies to turn to when guidance is needed.
Commissions: It goes without saying that any financial investment company is going to charge commissions, and subsequently it makes sense to look for a company that charges low rates. Some offer 0% commission initially, and this is a good place to start.

Risk vs. Return: Any investment into the emerging market is high risk. The returns however, have the potential to be considerable and subsequently an emerging market investment becomes a viable option. It is possible to invest in a country or into a fund which in turn is managed by a fund manager.

The latter becomes a question of faith and trust in that manager to do the right thing with your money, so the decision to choose a financial investment company with a view to fund management should not be taken lightly.

Currently, China and Brazil are often seen as good choices for emerging market investment.

Ultimately it is important to realise that as an investor you need to be in control of the fund, even if it is supervised by a fund manager. Some financial companies give you that control, and it is worth spending sometime to find a financial investment company like this.

Consider your investment plan carefully

Retirement is a necessary event which everyone faces in life. When one thinks of his income after retirement, several options arise. During his service, the person has to save some amount every month for his retired life. The person invests this amount in Annuity schemes which fetch him some periodical income so that after retirement he can lead a normal life. Before choosing the appropriate investment plan, the person has to evaluate his needs. His immediate commitments like education of children, expenses on health, renovation of house, legal expenses if any are some of the factors which may require careful consideration. The next question that he has to consider is the marriage of children, tour plans, etc.

Where to invest the savings?

This is a vexing question that needs careful consideration. Many employees invest the amount with their employers. In return for this investment, the employer normally gives the employee a fixed amount periodically as Annuity. Of course in the beginning the Annuity which the employee gets would seem to be reasonable. But with inflation, the fixed annuity will not be sufficient in the coming years. Even with an inflation of about 3% every year, in about 4 to 5 years the person will feel the financial crunch.

The alternative is to invest in Stock market. But this requires specialization and careful market analysis. Everyone may not have this quality. So this is a risky investment.

As an alternative, the employee can consider the investment plans offered by different investment companies. Many of the investment agencies have several attractive plans like Annuity with health insurance coverage for the spouse, burglary insurance, etc. Such investment could be another better option to choose.

Some persons may consider investing in real estate. But if such investment is made, the person may not have fixed returns unless the investment fetches him some amount by way of rent. If such investment is made when there is a favorable market, the value of real estate would appreciate and this may fetch attractive returns.

However, as far as investment plan is concerned, all that matters is the wisdom of the investor. Wherever necessary, he can take the guidance of professional investment planners who would be able to guide the investor appropriately.