Tips For Selecting the Best Investment Company

In terms of making the best investment, most individuals do not know exactly where to start. Bear in mind that investing is a fierce industry. Those who are not fully aware of what they are doing might end up losing their hard-earned money. And it is for this reason that most investors would want to get help from a reputable investment company.

3 Important Factors

If you start looking for an investment company, you must determine the 3 essential factors. First, you need to clearly identify your goals. These experts cannot actually help you if you do not have a clear goal. Second, new investment must perform some research regarding the background as well as the reputation of the company they want to work with. You have to make sure that it has an excellent track record and has received optimistic reviews from other investors. And third, you need to know that kind of relationships you want with the investment firm. Determining these factors will greatly help you in boosting your chances for success.

Choosing Your Goals – Your goals will have a huge impact as to what investment firm to work with. Most people today invest with 3 goals in their minds – to increase their wealth using minimal start-up funds possible, to reduce their chances for risk or loss, and to hire experts who can capitalize on all of the great opportunities accessible to them. It is actually okay for you to have different goals; however, those goals must be clearly laid out in a list prior to choosing an expert to work with.

Perform Research – Due to the fact that most people do not invest, they do not actually know how to perform research in an investment company. Well, there are also 3 things to consider – marketing materials, public trading records, and financial statements. All of these elements will yield a larger picture of how well an investment company is doing. It is important for you to look into how the company was performing in the past 5 years. Also, observe how the group performed while the market was both down and up. These pieces of information will help you properly evaluate your options.

Consider The Brokers – Few brokers are well-known in most markets. New investors like you must familiarize yourself with the career paths of the top performing brokers. Be reminded that it is normal for brokers to change companies from time to time. You must know how the companies were performing when such brokers worked with them. Moreover, you must also be aware of how the companies performed after they have left.

Things to Remember While Investing in Art

The Indian art market is divided into two segments – Modern and Contemporary. Modern segment comprises of masters like M F Husain, S H Raza, F N Souza, VS Gaitonde, Amrita Sher Gill and more. Contemporary segment is comparatively young, around last 30 years. Alternately, Painters who were born after 1930.

1. Do your own research.

One of the first things to do before buying art is to empower yourself by reading up on art, visiting local art galleries, meeting artists/ collectors and other people who are actively involved in this field. Talk to artists, consultants and curators to get insights about the functioning of the art market and to also network with like-minded people intending to buy art also known as “Collectors”.

There are international auction houses like Sotheby’s and Christie’s which focus on Indian art. Also there are domestic auction houses like Pundoles, Asta guru and Saffron Art. You can contact dealers and galleries. You can also approach an art advisor. You can end up paying a consultant 2-5% fee for expensive works. The service for smaller works may cost 5-15% of the value of the artwork. Fees also depends upon rarity of art work.

Ensure that the dealers and galleries sell genuine/ authentic works. Art market is full with fake artworks, so make sure you do proper research before buying the art. Check few important documents while purchasing art like authenticity guarantee, a provenance certificate, that is the previous owners of the artwork, condition report, publications (if any). Nowadays, many auction houses like Saffronart do not provide authenticity certificate. While buying from the auction houses make sure you understand buyer’s premium and the total cost incurred by (delivery charge, taxes, etc). Usually when you are buying through a dealer, only the seller has to give commission to the dealer and not the buyer. This can also be happen when you buy from a gallery. Again this depends on dealer, gallery and artwork involved.

2. Quality, not quantity.

Invest in fewer pieces that are higher quality. Not all pieces done by a renowned artist are masterpieces. You must take help from experts to recognise a masterpiece. For instance, an oil on canvas is perhaps the most expensive form of painting. Then is an acrylic on canvas, followed by an acrylic on paper. Then would follow watercolor on paper and charcoal on paper.

3. Buy art that you like and understand. Allocate a budget.

Buy art that you like. It is something you may keep for a lifetime, as you don’t know whether you will be able to sell it or not. Unlike other forms of investment such as stocks, it is worth remembering that art has an aesthetic quality that can, and some say should, be appreciated outside of its monetary value. Art is a long term investment. Also, prices of a renowned artist’s works do not necessarily shoot up when he dies. Art should not form more than 5% of your total investments.

4. Maintaining the artwork

Once you buy the art, you also need to incur the maintenance cost like insurance, storage cost. Also you need to take care of the artwork, like art should be stored in an environment that does not get direct sunlight.

5. Investing in emerging artists

Experts say you can look at investing in emerging artists whose works are available from Rs 1 lakh onwards. Though they may be a good option, it is difficult to predict who will make it big in the future. For this, you need to take advice from experts in the field.

6. Prints, limited editions

If you have limited budget, you can also invest in limited edition prints like serigraphy, lithography.

7. Evaluating an artwork.

In west countries, art has a much bigger market. These countries have institutes that value art. In India, we do not have certified institutes that value art. But the artwork can be valued by auction houses and galleries. Of late, even insurance companies are vaulting artworks.

The Benefits of Using a Property Investment Specialist

When you are in the market for a new property, especially if it is far away from home in another country, it is advisable to do your homework first. If you are considering investing in property overseas, you need to be sure that you are making the best investment you can. However, sometimes you’re not able to go there yourself. You could then list the services of an investment specialist that will do the homework for you.

Here are the main benefits of using a property investment specialist.

They will advise you on the neighbourhood. If you are considering purchasing property in another country, then you may not be familiar with the neighbourhood where the property is located. The property investment specialist will know a lot about the neighbourhood you are considering and can advise you accordingly. This will assess whether it is a growing or declining neighbourhood and whether it’s worth the investment.

They will advise you on the safety of the area. Usually, they would have assessed the area beforehand and are well aware of the safety aspects of the area. A good property investment specialist will indicate which areas are worth considering as an investment.

They will check the exact location of the property. If it is a house or building that you are looking at purchasing, then you need to find the exact address where it is located, so ask the property investment specialist to show it to you on a map. For obvious reasons, you need to know where the property is. You may discover that it is near a shopping centre which will be beneficial to you.

They can advise you on the state of the property. The property investment specialist will conduct a full inspection of the building. They can advise you on the structure of the walls, the conditions of the doors, the functioning of the plumbing and geysers, the electrical fixtures, the stability of the roof structure, the condition of the floors, as well as the front and back yard. Therefore you will be fully informed of what you’re purchasing.

Searching for property investment opportunities can be exciting. Ensure that you find a good property investment specialist that has been to the location and can give you accurate information that will be beneficial to you. If you have all your facts, you cannot go wrong with property as an investment option.

Tips For Selecting the Best Investment Company

In terms of making the best investment, most individuals do not know exactly where to start. Bear in mind that investing is a fierce industry. Those who are not fully aware of what they are doing might end up losing their hard-earned money. And it is for this reason that most investors would want to get help from a reputable investment company.

3 Important Factors

If you start looking for an investment company, you must determine the 3 essential factors. First, you need to clearly identify your goals. These experts cannot actually help you if you do not have a clear goal. Second, new investment must perform some research regarding the background as well as the reputation of the company they want to work with. You have to make sure that it has an excellent track record and has received optimistic reviews from other investors. And third, you need to know that kind of relationships you want with the investment firm. Determining these factors will greatly help you in boosting your chances for success.

Choosing Your Goals – Your goals will have a huge impact as to what investment firm to work with. Most people today invest with 3 goals in their minds – to increase their wealth using minimal start-up funds possible, to reduce their chances for risk or loss, and to hire experts who can capitalize on all of the great opportunities accessible to them. It is actually okay for you to have different goals; however, those goals must be clearly laid out in a list prior to choosing an expert to work with.

Perform Research – Due to the fact that most people do not invest, they do not actually know how to perform research in an investment company. Well, there are also 3 things to consider – marketing materials, public trading records, and financial statements. All of these elements will yield a larger picture of how well an investment company is doing. It is important for you to look into how the company was performing in the past 5 years. Also, observe how the group performed while the market was both down and up. These pieces of information will help you properly evaluate your options.

Consider The Brokers – Few brokers are well-known in most markets. New investors like you must familiarize yourself with the career paths of the top performing brokers. Be reminded that it is normal for brokers to change companies from time to time. You must know how the companies were performing when such brokers worked with them. Moreover, you must also be aware of how the companies performed after they have left.

Risk Management in Binary Options Trading

Risk management in trading is indispensable, if you want to succeed in the binary options market. If you do not have a proper risk management plan you may not be able to achieve success in this volatile market.

As a trader you need to understand that it is not easy to make consistent profits in this market. There are inherent risks associated with this market and if you are not careful you may lose big money and all your investments within a few trades.

Managing risks in binary options trading

Irrespective of whether you are a beginner or experienced trader, you need to have a proper plan for every trade.

  • A well made plan can enable you to take your first step into successful trading. After you have made a good trading plan it is important that you stick with it.
  • If you keep making changes to the plan at regular intervals, you may not be able to benefit from it.
  • Placing emotional and impulsive trades can also result in big losses. When you let emotions cloud your mind you may not be able to think in a rational manner and this can affect your investment decisions.
  • Planning can help you trade in a disciplined manner and you may be able to avoid emotional and impulsive trades.
  • A good plan should include how much you can afford to lose in each trade. This can enable you to set stop loss orders in advance so that you are able to avoid big losses even if the market moves in the opposite direction of the trade you had placed.
  • Placing a stop loss order is one of the best risk management strategies that traders can use to minimize losses.

Most traders do not have a clear idea about risk tolerance levels and trading targets. They also do not know when to enter and exit the market. All these factors can substantially increase the risks of trading. If you want to protect yourself from losses it is important that you determine your risk tolerance level before you place a trade.

Leverage is a wonderful tool that can be used by traders to make big profits from small trading accounts. Using proper leverage is important if you want to manage the risks of trading in an effective manner. If you are a beginner it is best to avoid using leverage until you gain adequate knowledge and experience.

Traders want to make big profits within a short period and this often leads to risky trading. This includes placing big trades instead of small trades and this can increase the risk of accumulating big losses. It is best to have a good strategy for risk management in trading, so that you are able to minimize losses and maximize profits.

5 Ways To Impress Any Investor

So let’s go:

Way #1: Show evidence of sale. If you want an investor to be impressed with you then you’ve got to show them evidence of sale. So make sure you sell some of the units or some of the products or some of the services before you approach an investor for funding. It doesn’t mean you need to have sold millions of services/ products. Even 10, 20, 100 units of sale can be just the evidence the investor is looking for.

Way #2: Show evidence that you have a winning team. The investor wants to know that they’re not only investing in one person but in a group of individuals/ Hence it is essential that you assemble a winning team; that has experience, knowledge and expertise in business or in that industry. When you bring together such a diverse group it demonstrates your strength as a good manager and a great leader. All of which are traits a successful entrepreneur must have.

Way #3: Show evidence of a Niche and large enough market. Investors want to know that when they put money into your business you’re going by gaining traction within a small niche and then expand your market to a larger audience. Hence, it is of interesting that your marketing a big enough to create a big payday for the investor. They are therefore impressed with you if you can demonstrate that you are in a growing market as opposed to a shrinking one!

Way #4: Show evidence that your business can make money. How do you do this? Well, what other channels will you use to make money? Will you be using a subscription model, partnerships, sale through retailers, online stores or via business websites? Will you have after sales services or sale of accessories? All these are evidence that your business can actually make money and then finally

Way #5 Show evidence that you have invested your own money. If you have not invested your money in the business what makes you think someone else should invest their money into your business. Therefore demonstrate this by creating a list of all the amount of money you spent. For example:

– Costs of creating a website,

– Travel so we did courses

– Cost of business related training

– Cost of machinery or any kind of products that went into starting the business.

Investors expect you to have invested your time so evidence of money spent is of greater importance.

Some Useful Investment Tips And Advice For Retirees

People nearing their golden years usually focus on saving or amassing enough money so that they can have an enjoyable and stress-free retirement, Once they are officially retired, investing for them is typically out of the question. However, financial advisors say that individuals can also reap several benefits when they still invest even when they are already retired.

But whether you are young or already retired, making smart investment decisions and getting the most out of them will depend on following some useful tips and advice. For retirees, below are some helpful tips and advice worth following to ensure that they make the right, profitable investment decisions:

Don’t focus on only one risk. All types of investments come with certain risks. This is especially true when you invest in the stock market. However, retirees should know that avoiding stock market risk increases other types of risk. These include longevity risk or the risk of outliving your money. Financial advisors say that retirees should not consider short-term or certificates of deposit and other similar types of investment as being risk-free assets. This is because if you invest in them, you may still have a guaranteed return of capital. And this is an investment risk worth taking.

Don’t rule out bonds. Bonds still play an important role in any conservative investment portfolio designed for retirees. Most financial and investment advisors recommend retirees to invest in high-quality bonds, such as Treasury bonds or highly rated corporate bonds, and individual bonds or bond funds. However, retirees should stay away from high-yield bonds and high-yield bond funds since they are too risky.

Diversity your real estate investment trusts. Real estate investment trusts or REITs are investing option that provides diversification and generates income for retirees. However, to get the most out of this investment option, retirees would do well to diversify their portfolio. This means investing in commercial property such as warehouses, office buildings, and shopping centers and not just in residential properties. In addition, retirees investing in an REIT will do well to make sure it is diversified not just geographically but in terms of the type of commercial property. This is essential for diversification, stability, and for dampening volatility.

Consider investments that offer immediate annuities. Lastly, if you want a guaranteed income payout, annuities are a reliable option. With annuities, you get a monthly income in exchange for a lump sum or payments over a series of years as long as you live. There are various types of annuities and they come with different features. They can be expensive as well. As such, consider consulting a trusted financial adviser first before you deciding which type of annuity to invest in.

Top 5 Value for Money Investments

“An ideal investment is the one which reaps infinite returns for the generations to come!!”

Whenever the idea of investment comes, one of the first questions that pop in our mind is whether it would reap good returns or not. Then we proceed on to probe on the risks involved, investment tenure and other prerequisites before actually investing.

In this short piece, we explore interesting, easy to plan achieve investments that would make you feel content with the returns and have lesser risks in the market with the returns touching the sky and getting more and more with the time.

1. Investing for a Skill/Education: Education is one of the most expensive investment avenues these days. Acquiring a skill, implementing it, getting well versed in it consumes a lot of time, money and concentration. When worked hard and accomplished, the returns can be infinite. This means that you can find work and continue on it for as long as you want to. The gains are not only in terms of monetary returns, which are consistent and are usually on a rise, but also in terms of respect, experience and chance to invest more in your family and assets.

2. Real Estate/House: A lot of old and experienced people regard real estate as a pinnacle of investment or asset creation. Once someone starts transacting in terms of real estate, his outlook towards money is totally changed. An increase in the price of stocks, mutual funds is not as stable as that of a land or a house. Moreover, the emotional worth of an asset created in real estate is remarkable.

Yes, undoubtedly, you need to have some net worth and status before venturing into this investment class, but the returns would make sure that the hard work you have put in to create wealth via real estate is all worth it.

3. People: For any manager or a business owner, the people working under him are his prime assets. Investing wise and well in the people will pay him off enormously, irrespective of the amount invested and time consumed over that investment.

Further, versatility makes it easier to find what kind of investment can suit your people. Complementary insurance, perks, bonuses, trips, education, skill trainings, assets, cheaper loans etc., there are numerous ways in which you can decide how do you want to invest. Investment is people earns you more loyalty (which can never have a price tag), better results, higher efficiency and several such fruits which would enhance your business or get you a promotion.

4. Creating a second income source: When you have multiple uses of the money earned, why can’t there be multiple income sources. Often, a second income source seeks some amount of investment, which does annoy people as they fail to realise its need. It is quite simple to analyse it though. The current job or business you are doing has come to you at a cost, which has gradually paid off via income and other tangible/intangible returns. You can create a source such as part time tuitions, blogging, baby sitting, product research etc., which give you a stable income and keep on giving more and more returns once you gain good experience. Second income source gets a further boost when you invest in acquiring a skill that in turn gets you another income source.

5. Planting Trees: Promoting Greenery in your neighbourhood is again an invaluable investment. A seed that nurtures into a plant, and further to a tree has a lot to give for the sunlight, water and care it receives. Interestingly, apart from sowing a seed and occasionally putting a fence around it, you don’t have to spend anything at all. The sunlight is free and water requirement, even though being initially crucial, is later managed by the plant itself. Multiple returns that a single fully fledged tree gives include fresh air, fruits, wood, temperature control, shade.

How to Plan Your Investments

Whether you are an individual or a corporate body planning your investments ahead is of at most importance. As planning your investments means planning your future financial status and meeting unforeseen with ease and confidence it has become life blood that makes your path of hardships a bed of roses. Planning your finances involve planning your inflows and outflows i.e., In short managing the entire flow of funds during a certain course of time.

Thus, it is a must for anyone to plan your investments well in hand so; that your future will be safe and you can encounter any issue with ease and comfort. A proper investment planning would make your financial distress also a bliss as you always have a surplus reserve for different unforeseen of life. The reasons for financial distress could be multitudinous but the survival rate is higher and quicker for those who are financially planned when compared to those who are not. For having a proper investment planning you must follow few but regular steps which will save you at the eleventh hour. Let us look at few steps that you must follow to cushion yourself financially and to get a tag of well investment planner.

• The first and foremost step in investment planning is to assess your income. Asses all your inflows, which must include any sort of long term or annual cash inflows that you are expecting.

• Once you assessed your cash inflows, the next major step is to set a goal that could be any specific aspect that you would like to achieve with the money you are going to save from this year onwards.

• Once you set forth your goals and assess your inflows the next step is to plan your savings. The other way planning your investments. To plan your investments well you must know what your risk coefficient is and how much profits you want to make out of your little investments. To know this you must look at variety of financial and demographic and socio- economic factors that affect you and your family’s lifestyle.

• Once you are done with the assessment of your risk coefficients and return expectations the next big leap is to set an investment strategy. Under this, you will choose among different investment alternatives that are available to you based on your risk and profit margins.

• Once you choose a basket of investment options, go with the ones that are convenient for you in terms of time horizon, maturity period and return margins and so on. Having a clear investment strategy would not only make you a good investment planner but also a supersaver to your own self and to your family at times of emergencies.

Home-Cooked Meals Are a Hot Investment

I married well.

After seeing a recent stat that 41% of first marriages end in divorce, I count myself lucky. I managed to find a mate who is smart, funny, responsible and compassionate.

And he loves to cook!

I picked up some basic cooking skills throughout high school and college. I can make grilled cheese, boil an egg and bake a mean chocolate cake for someone’s birthday. But I don’t stray too far from those easy recipes and skills.

On the other hand, my husband is the one in our family who makes the bulk of our meals. He’s the one who can explain the different cuts of beef at the grocery, and he’s the one who knows when to use dill and when to use rosemary. (I try to stay away from the spice rack completely.)

If food prices continue to shift the way they have over the past year, I think we will see more people like my husband cooking amazing meals at home rather than going out to eat… and that’s going to create some fantastic investment opportunities if you know where to look.

Back in the Kitchen

The government recently announced that the consumer price index (CPI) was unchanged for June, while economists were expecting inflation to tick up 0.1%. The 12-month CPI has dropped to 1.6% from 1.9% and is well off its five-year peak of 2.7% reached in February.

There’s a lot of hullabaloo going on right now about whether the Federal Reserve will lift rates yet again this year and whether the slowdown in inflation is far more than temporary, as the Fed has been claiming.

But I don’t care about the Fed right now. If the Fed is going to act, it’s unlikely to be until December, and there’s a lot of data set to come out between now and December that could sway the Fed.

If you dig a little deeper into the CPI report, there was a great nugget of data that no one is really talking about… and that creates a great opportunity for astute investors.

The government reported that grocery prices (food at home) fell in June. The price of food purchased in a grocery and prepared at home has steadily dropped since peaking in September 2015. We experienced a small run-up earlier this year, but it appears that prices are rolling over once again and headed lower.

By contrast, the price of food purchased at restaurants has steadily risen over the same time period and shows little sign of relenting.

Technology has worked to reduce costs in food production by increasing crop output. Low gas prices have cut transportation costs as well. The end result: It is now cheaper to buy food at the grocery than it was in 2015.

Meanwhile, rising labor costs and skyrocketing rents have forced many restaurants to lift their prices just to eke out a profit, making it far more expensive to eat out.

The United States Department of Agriculture reports that food-at-home prices dropped 1.3% in 2016 from 2015 levels and are expected to rise between 0% and 1% in 2017. Food-at-restaurants prices jumped 2.6% in 2016 and aren’t slowing in 2017.

The Market Has Changed

The race is on to make a profit off what’s hitting your table for dinner. We’ve seen a surge over the past several years of meal-delivery services such as Blue Apron, HelloFresh, Plated and Home Chef. These companies are catering to families (particularly millennials) who are looking for the comfort of cooking at home while still getting a unique variety of meals – far more than my awesome grilled cheese sandwiches.

Earlier this summer, Amazon announced plans to acquire Whole Foods. Imagine if Amazon could streamline Whole Foods the way it has done its other businesses, bringing costs down and luring customers in.

And of course, we have Wal-Mart going head-to-head with Amazon, which could create a price war that works in favor of consumers.

The market has shifted in favor of the grocer over the restaurant. Prices are dropping for food in grocery stores while restaurants are raising their prices just to get above the cost of operating. Meanwhile, wages for most Americans are stagnating, making the choice an obvious one.

Investors should be wary of restaurants and take a new look at grocery stores such as Kroger or even watch for new opportunities driven by millennials.