Online Investing Cautiously Many Scam or Fraud

When we browse on the Internet, of course we were treated to regular ads online investing either your text ad or banner ads. The contents of these ads is very interesting, we became very curious and did not feel the hand click on the ads. This is reasonable because there is human curiosity, but beware of scam or fraud, not a few who were deceived by the sales page a good website onlne business and investments online. Online Investing For there are some tips so we can avoid a scam or fraud, namely:

1. Learn Income / profits which are distributed and does not make sense or work system far from clear impression of a scam.

2. Follow these web development before joining, see members join and the amount of investment, follow this development every day because there is an online investment scam website that suddenly adds member 500 hundreds in an instant, if not followed this case will not know.

3. Check the truth email.telpon address and if possible the investment office.

When you have been running at least minimize the above tips from online business scams, because every month more and more great just the way people cheat. There are additional tips from me, you can also ask at the online investment forum for people who join in the forum let alone a hero member will be better able to distinguish which ones yag scam and what is not.

INVEST AND BUSINESS IN PERFECTMONEY.COM

It is interesting to be discussed here, is about simple investment and has a very minimal risk to invest However the stability of financial management will be the future and retire in the old days later.

From the above reasoning, referring to an email I received from PerfectMoney.Com about 1 month ago, invited the members to invest in PerfectMoney.Com, although we know the joint that is PerfectMoney.Com site PayPal.Com class payment system.

The interesting thing is the email of investment PerfectMoney.Com, members or customers who invest money for the $ 20,000 will provide PerfectMoney Investment Interest for $ 4 per day, so it can be calculated to be $ 120 per month for providing PerfectMoney.Com 7% annual interest rate, exaggerated?

In addition to investing, many business programs of other interesting PerfectMoney.Com offered by the parties to try and benefit much less you run a great online business, this provides a great opportunity for you to run.

Some examples of business forms provided by PerfectMoney.Com:

1. Corency

This program is a foreign exchange or buying and selling foreign currencies, are provided However the Euro and Gold, but if you're smart and observant about buying and selling currency is quite a profit you earn from this program.
2. Paid to Put Logo

One of the programs discussed in many forums, websites or blogs, because this program provides a free bonus to your site or blog that put Logo Refferal from PerfectMoney.Com but with the requirement that such site or blog has a pagerank of 2 or higher, bonuses provided for $ 10 per month x big pagerank, if you have a website or blog with pagerank 4 the amount to be received is $ 40 per month.

3. Receive a bonus for a great number of operations in your Perfect Money accounts

Business program is given to members with variations rewards based on the number of transactions that you did.
Activity in your Perfect Money account is very important to us. If you show us a large number of transactions in your account then you will get a reward from the payment system Perfect Money.

After reaching the limit set your transaction will get a bonus as a sense of gratitude for the active use of Perfect Money payment system.

10 transaction - $ 0.01
100 transactions - $ 10
1000 transactions - $ 50
10,000 transactions - $ 100
100,000 transactions - $ 1000
Transaction 1,000,000 - $ 10,000

Above is a small portion of your profits using Business of PerfectMoney.com programs and many more others, and appropriate for those of you who have large companies use the Internet to PerfectMoney.com as your payment system.

Wait let alone immediately register yourself here.

Investing Properly

Mark Barton, an investor on Wall Street desperate to shoot his own head, after shooting your opponent "game" in investing stocks and then his sons.

The reason, money Barton really sold out in a day trading (trading day), even still leaving a debt. Why does this happen??.

Barton bet all his income to invest, including investing money everyday life. This is the first mistake often made by the investors. They do not use the money specifically for berivestasi, but the cost of living.

While investing can use the money for living expenses, but often make irrational investment decisions. For affected by emotional state of investors who are still thinking about how to meet the financial needs of the routine should fail to achieve the benefits of investing?

To overcome this problem, do the right investments, such as the following questions.

Investment Options

If you already have an adequate income, then the remaining excess revenues after use ends meet and the things that besifat emergency, you can start investing in the stock exchange. What are the investment options that can add or increase revenue?

* Savings
* Deposita futures or dposito certificate.
* Closing the insurance policies (mainly unit-linked / combination of investment and insurance)
* Purchase of foreign currency
* Establishing a new business
* Buying gold or other jewelry.
* Buying a house or land (property).
* Buying securities on financial markets.
* Buying securities on capital markets, like bonds, convertible bonds, stocks, and others.

"Never invest using the" kitchen money "or money for daily life"

What factors affect the investment choices?

Before you make a decision selecting an investment instrument, it is important that you need to consider first the factors that influence the field of investment would you choose.

1. Your Age

You should assess and carefully consider how old you are

2. Risk

There are three types of investors face this risk, the investors who belong to like risks (risk seekers); investors that are categorized as less likely to risk (risk averter); and investors who ignore the risks (risk indifferent).

If you dare to take resiki classified, can choose investments in stocks that are growing. If you are classified as types do not like risk, could choose which instrument fixed income investments, like bonds, or are managed by professionals, such as mutual funds

3. Taxes

As a good citizen, then you must fulfill the obligation to pay taxes. Thus you should calculate roughly how much your net profit after taxes Or you could buy an investment instrument whose income is not taxed, such as mutual funds.

4. Liquidity or Security

Liquidity or fluency is the ease in finding a level of capital (principal) of your investment. If at any time you need cash immediately, whether your investment choices is easy or difficult disbursed?

If you are concerned with liquidity, should choose stock investments. conversely, if you're interested in security, can choose obligsi investment instruments or preferred stock that gives special dividend remains

5. International Economic Situation

In today's global era, unsure ketrgantungan very large inter-State. Almost no boundaries between countries, especially with the advance of technology and information so terrible. For example changes in economic policy of a State may provide positive or negative impact on other countries.

Information is available from the newspapers and magazines need to be analyzed, about what impact your investment terhadadap. For example, international economic conditions are depressed, it will have a negative impact on exports and imports. Therefore, to avoid investing in shares of companies closely linked with international trade.

6. National Economic Situation

National economic situation has a considerable influence on the field that effect the company you buy. Carefully follow the law changes, regulations and government policies, because it would be useful in determining your investment strategy.

For example, in the Budget (Budget of the State) government allocates substantial funds to the tourism sector, purchase shares of a company engaged in the field, travel agency, hotels, restaurants and others who still have something to do with tourism.

7. Industry Situation

The situation is very influential industry investment you plant. Does the industry is growing, is nearing the saturation point or social pressure.

Tobacco stocks, for example, always clear social pressure from the community. Along with public awareness about the importance of health, more days will be more people smoking less. Obviously this will affect the issuer's profits of tobacco companies.

8. Science and Technology

Science and technology are the primary nature of humans who never stops thinking to look for and find something. Consider Personal Computer (PC) on your desk, which will become obsolete within six months, for having found a new microchip.

Give the interest and attention to the development of science and technology because this will be very useful for strategy and planning your investments. Issuers are moving in the field of IT (Information Technology), for example, promising big earnings in the future, if the technological innovations successfully developed. Therefore, the shares deserve IT company as one of portfolio choice.

9. Cycles and Trends

There is a belief, that every business activity, even all forms of human life works in cycles / cycle. Every event in the past generally be repeated in different scales. The researchers say this as a technical analysis and aur. The purpose of this analysis is to predict or help show trends / future trends.

Understand the effects of behavior you buy, will be found when the price goes up or down. Use this cycle for investment decisions, for example, buying when prices are falling cycle, and sell when prices are rising cycle.

Results and Investment Risk

What about the relationship and the results of the investment risk?

Two elements are inherent in any investment is the result (return) and risk (risk). Two elements of this always has the direction of the relationship, the higher the risk of investment, the greater the chance they had.

Conversely, the smaller the risk, the smaller the odds that the results will be obtained.


Is there a risk-free investment?

Basically there is no investment instruments entirely free from risk. For example, the investment of savings with a fixed interest, fixed mamiliki minimal risk, which decreased the purchasing power of savings due to inflation.

Similarly, investments in gold, has a risk of possible loss, theft and so on. However, as the basic guidelines of investment benchmarks generally refers to the interest rate deposits, where interest rates from depositai considered the minimum (minimum return) of a risk-free investsi (risk free rate).

Low Investment Risk But Profitable

Investment is like a journey to reach a destination. To achieve the objectives it can be done in various ways such as by walking, running, riding motorcycles, ride vehicles, ride a train or a plane. The longer or more distant range where you want to target the more time and more effort is needed. Therefore, to save energy and time the selection tool or vehicle that will help us to achieve the goal must be right. For example, if someone in Jakarta want to go to Bali, then it can be done on foot. But of course it took weeks to arrive in Bali. And if using an airplane, maybe it will take about 2 hours.

So did the investment., Investment products are tools, tools or vehicles that will take us toward financial goals to be achieved. But of course, profitable or not our role as the rider is crucial. Therefore, in an investment should not only focus on the profitable, because people forget that any potential benefits must always be accompanied by potential losses. Investment law had not changed from the higher investment results is the higher the risk and lower investment results, the lower are the risks. Unfortunately people are still hoping there is an investment that produces the highest or most profitable, but with no risk at all. It is not possible right? Therefore, before you start investing the question that should be sought answer is what investment is best for us with the accompanying financial condition.

For your financial condition is the selection of appropriate investment products should consider the following 2 things:

1. Determine investment objectives. Usually there are 2 goals of investing, namely: a) achieving a particular financial goal, such as buying a house, preparing to retire, raise business capital; b) to develop a number of funds that exist today. However, make sure whatever their investment objectives are specific and measurable. You can determine how development funds are expected from the number of your current funds in a period of time. Example You want to USD 50 million which is currently a USD 55 million a year away, so you should invest those funds into an investment product that can provide returns equal to the interest rate of 10% per year. If the average interest rate of savings and current bank deposits up to about 5% per year then certainly be difficult to reach the target funds or desired financial goals. This is a tool or an investment vehicle to be less precise. Well .. live your search tool or vehicle or what investment products can provide investment returns equal to 10% per year. Fund may, gold, or the land can provide investment returns above 10% per year. If so, can be considered to be taken. But before you get to learn a good investment product for you to consider the pros and cons.

2. Consider your age, the older age of a person or the person is approaching retirement age should be more careful because you might not have too much time to make amends, for the limited age and income also have been on hold due to retirement. Therefore investment products that seek low-risk, meaning if you invest in these investment products you will not lose the initial value or principal value of your investment. For example, if you save your money into savings or deposit is very little chance you lose the value of your investment, if you tetapai buy shares then you could lose your investment value because of fluctuating stock prices.

Investment Risk

This systematic risk also have a big impact on stock trading market. In many cases, the more the market correction was preceded by the operation of systematic risk. For example, rising inflation, rising interest rates, the global financial market turmoil could push stock prices in the market. In fact, from the actual operations do not affect anything.

On the other hand, investors also face the unsystematic risk that originates from within or internal company. For example the value of sales fell, there was a strike of employees, decreased production and so on. For this type of risk is highly dependent on the expertise of company management. If the management company is able to overcome the internal problems the company's fundamentals will not be much affected. Conversely, if management can not manage the company well it has fundamental company will decline, which in turn will lower the stock price in the market.

From the explanation above seems that unsystematic risk is relatively more manageable than systematic risk. Even so, both have a big impact on stock price changes in the market. If the record, more detailed, systematic risk will affect the overall market, while the unsystematic risk will more directly affect a particular issuer's stock. Sometimes we see the stock price plummeted not because of the collapse of the issuer's fundamentals, but more because of the psychological. Price decline as a result of these factors not only occur in just one type of stock, but occurs in almost all stocks. Another case if the price declines resulting from unsystematic risk, price declines happen only on certain stocks.

For two types of market participants are risk deserves attention in order to avoid large losses. Expertise of market participants in detecting the existence of two types of risk that will determine success or failure of investments made. Therefore, before investing a good investor should first understand the risks that may be encountered.

In Historical, Gold Prices Rise in September

World gold prices continue to creep up. Based on Bloomberg data until 16:00 o'clock in the gold price of the commodity futures markets of New York (CMX Futures) for October delivery contract on the position of U.S. $ 988.10 per troy ounce.

The day before, Thursday (3 / 9) world gold price could reach its highest level this year at the level of U.S. $ 996.30 per troy ounce. If you count this week, gold prices have soared 3.19% than last weekend in the position of U.S. $ 957.50 per troy ounce.

Vice President Valbury Asia Securities said Nico Omer Jockheere gold prices triggered by increased demand for commodities of gold.

"The price of gold has historically strong in September," he said. This is the opposite of what happened in the history of the stock market.

In addition, he said the future until the end of many celebrations like Eid, Christmas and new year which makes gold demand increased. Fear factor slowing world economic recovery also kept investors choose investments in gold because it is considered more secure than investments in other instruments.

With the Turbulensi Marketing Tactical Asset Allocation

Travel financial investment more than half the six months of this year (2008) colored by turbulensi large enough along with the development of the global extreme enough. World crude oil prices and economic decline that the United States to become the dominant factors that influence the kemerosoton investment in capital markets, commodity markets and global foreign exchange market.

Stock exchanges in Asia, America and Europe at this time tend to move at all had fallen far from stock performance compared to the year 2007, these shocks occur again after the two companies distributor housing credit that is Freddie Mac and Fannie Mae, near bankruptcy and should be fed U.S. central bank. Similarly, the large banks in the bank predicted that the world will still be a loss because the decline in the U.S. property sector after the previous intervention has also been getting from the central bank billions of U.S. dollars.

The development of financial markets in the country are also clearly affected by global conditions, the pressure of inflation because of high oil prices, interest rates increase pressure and domestic pressure on the financial performance of the State Budget also affect the performance of stock market and bond market in Indonesia. Market share the first six months of this year's record performance of the return less brisk in the early years when JCI was opened in 2731 the level at this time (the position of the end of Pecan ago) closed at 2141 level or have been declining 21.6%. Similarly with the bond market has been down between 7-15% in line with inflation rising to above 11% and ekpetasi increase domestic interest rates further.

Share Price Performance Index Bei: Trend increase year 2006-2007, down trend First Six Months 2008.

Source: Reuters, treated with MetaStock

Associated with our financial investment, the first six months to skip one stock investment performance in general has decreased so as to investment bonds (market value decline). This condition is, of course, requires us to make a reassessment / minor readjustment of the Strategic Asset Allocation (Saa) which we have built in the early years with the development of an extreme view on the economic indicators and financial indicators. Readjustment is needed in order to improve the performance of the portfolio until the end of the year "for the" cut along six months ago. Under some conditions we can use this to reinforce the establishment of Tactical Asset Allocation in the condition turbulen in the financial markets, through the identification of drivers associated with the economic outlook what happens to the instrument-specific investment instruments in porofolio us.

At the time the world crude oil prices high / high inflation and the relative tendency of increase, the return of instruments such as T-Bills, SBI and money market instruments include short-term time deposits tends to increase. On the instrument, such as T-Bonds, Letters of debt countries tend to go down (market value).

Economic drivers                                       Asset Choice  

                                                                           Rising                   Falling
Inflation rate                                                    T-Bills, SBI           T-Bonds, SUN
Real interest rate                                            Equities                  T-Bonds, SUN
Inflation, Tax and regulation                         Small Cap              Large Cap
Inflation induced Tax Bracket creep            value stock            growth stock
Foreign exchange value of the Dollar           Domestic                Foreign

At the time the United States economic growth is still sluggish economic growth in Asia and in line with expectations, the trend of its U.S. dollar exchange rate will be depressed. This condition is also encouraging choice in domestic assets become relatively attractive, especially on investment or equity shares, tend to be volatile affected weakening U.S. economic growth. However, in the middle of situations, stock options based on the commodity sectors, such as mining and agriculture in general, be interesting portfolio enhancer (the relationship between the other indicators with the other investment options can be seen in the table above).

With the goal to make our portfolio optimization, the tactical asset allocation strategies, namely to do with the percentage of asset-rebalancing asset portfolio organizer, such as deposits, stocks, bonds, structured products, mutual funds, foreign currency, etc., with the goal of utilizing the opportunity of anomalies or weakening conditions and increased asset class specific.

In general there are three main methods of decision-making in the tactical asset allocation strategies, namely: first, a review of all the fundamental analysis of investment instruments in the portfolio (such as shares seen again, if the shares in the portfolio are still undervalued / overvalued views of the price to earning ratio, price to book value ratio, dividend yield, discounted cash flow model).

If shares in a portfolio is overvalued, you should be switching to the switch and enter the other shares that are still undervalued in the portfolio. For analysis of bond instruments, should also see whether the current market price of bonds is much lower than the price instrinsik with its long term benchmark interest rate.

If such conditions at this time, the price of bonds is very low, then it is a good timing to increase the share of bonds in the portfolio, both corporate bonds and SUN, or averaging.

Second method is the technical analysis of the instruments in the investment portfolio for the short-term trends in secondary movement, so that it can be predicted instruments that have very potential uptrend / downtrend.

Technical analysis can be done with the top-down method, the technical analysis on the sectoral / industry sector to find out where the middle in short-term move will go up. After the technical analysis on the individual instruments in the sector to determine the stock / bonds / other instruments which have the potential short-term uptrend middle.

Third method is the analysis of behavioral finance, the analysis of financial market analysis with the behavior of investor sentiment in the stock market, bonds, currency, commodities, etc.. How are behavioral intermarket movement between various instruments. Bullish / bearish consensus, to determine which instruments are overreacting positive / negative, so that opportunity can be obtained on the investment conditions are bearish or bullish.

The three methods above, will be more powerful when used together in tactical decision-making strategy, and effects are expected to provide increased investment return in the middle of the optimal turbulensi. Review fundamental instrument to determine which of its good fundamental prospects, review technical analysis to determine the investment instrument which will be moving ride / down in the short middle, review and analysis of behavior finance to determine which investment instruments that have technical and fundamental analysis, which is irrational akan an overreaction.

Investment Planning For Wealth Management Investor

Investment planning is that planning is very important to do, and determine in an effort to help customers Wealth Management to achieve the purpose of financial investment or the future. Given that context is to help customers to achieve the investment goals, there was no way of investment or investment plans that are considered the most correct way of investment which is considered the most good is if I can be appropriate or suitable for the customer. As a Wealth Manager of the principal tasks to be done is find a method that is best for our customers.

There are three main steps in the planning of investment for the customer, namely
define and determine the parameters of investment, penetrate and understand the expectations with both client-expectations, and determine and select the appropriate investment vehicle suitable for the customer.

Parameters defines the investment

As a Wealth Manager in the planning of investment for the customer, must first make assessment of the six parameters for investment clients. Sixth parameter is the investment risk tolerance level for customers, customers the period of investment, liquidity, marketabilitas, income tax considerations, and investment iversification.

Risk tolerance level for customers, the customer is generally not avoid risk (risk avoider), but they are to avoid losses (Loss avoider). They want the benefits without the high investment that must be experienced losses in the principal or nominal investment. Risk tolerance is a means of measuring how much someone can receive damages from the principal value of investment. Risk tolerance level will be used to identify products or investment instruments are suitable for the customer and is set in the appropriate investment strategy to achieve financial customers.

Investment time period, how long is the time needed for customers to invest in can be met with its financial goals that he wanted to achieve. Short or long period of investment into customer demand will determine the selection of investment vehicle will be used in achieving that goal. For example, if a customer has a priority on short-term investment, the investment instrument is the appropriate instrument that is relatively safe investment and a short measure, such as SBI, deposits, money market rekasadana, cash and other instruments that the consequences can only give the expectation level of the investment profits relatively low.

Conversely, if the election period is relatively long investment then there are many choices of investment instruments that have the expectation level of profit is higher (such as bonds and shares).

Liquidity, customers who have limited investment or expenditure will be prepared for the needs of business and personalnya advance payments such as home care akan with liquidity problems, or how quickly the investment instrument can be converted into cash without having to experience any loss or damage even if experience does not mean too.

Marketabilitas, sometimes have a rather complicated with liquidity. Marketabilitas the difference between liquidity and the opportunity is at the time. Marketabilitas is how quickly an investment instrument that belongs to the customer can be sold or purchased. Investments such as real estate or property which may have marketabilitas high, but sometimes not liquid. Especially when the market conditions being experienced impairment, remain to be done because if the property owners will suffer a big loss if he sells at the time.

Income Tax Considerations on the selection of investment will be influenced by factors that tax must be paid by the customer, such as how much tax should be paid, the types of taxes levied on a particular investment instrument. Level of benefits is also an investment is a combination of tax benefits, and the type and amount of cash flow received akan customers.

Diversification, not having a speech impediment all put in one basket. Level to maximize profits and minimize investment risks of investment needs to be done on some of the spread of investment grade instruments that vary, such as shares, deposits, bonds, and SBI mutual funds, real estate, commodities and so forth.

Understanding customer expectations

As a Wealth Manager, after understanding the parameters of investment and is claimed to be able to further understand what the customer wants, so that the steps made in helping our customers to feel very comfortable with the investment and understand what is desired and sanagt is not desired by the customer . It is important to explain to the customer type or level of risk of an investment instrument that can occur, the level of investment profits, and trade-off between risk and investment return of an instrument / portfolio. Risks faced by the customer can invest in emerging from two forms, namely risk and systematic risk is not systematic. Systematic risk will always be there at the time we as investors because the risk can not be removed can not be revealed. Otherwise the risk is not systematic risk that can be reduced by diversifying the way we do.

Open the Small Or Medium

This myth is often heard in the world of finance and business, the success of that little attention is difficult. On the contrary, the fact is that a small business is fairly simple, you can also create a financial plan, the benefits as the company is cautious, it was reported. There are several factors that, if they can hear the potential to increase the profitability of your business. Principal among them is to prevent small businesses, often a professional financial planning. This type of planning (including small businesses the benefits 401K plan) is essential for success in small business.

If the experts in corporate finance, corporate pension can offer significant tax advantages, as well as employees and owners. Here are some basic guidelines for developing such plans. These tips for the proper functioning of a small business can be:

1. The staff will help win more - in an ideal case, the owners of small and medium enterprises, pro-actively promotes the skills of workers to save. These plans are very useful because they help entrepreneurs to a fixed proportion of their income on a regular basis. Research shows that to live comfortably in retirement, people in more than 70% to 90% of the benefits of retirement income. So, you, your company's personnel to begin saving early and regularly for pension funds,

2. Increasing the tax - if the money for retirement, savings fully exempt. Owner (s) and employees must contribute to pension funds and not pay taxes on the amount of either. In addition, contributions from the owner (s) is taxed

3. 401K plans to small businesses - If you are looking for lucrative profits for your small business, you have 401K plans. 401K Through these agreements, workers may decide, in some of the proceeds from special fund 401K. These funds are managed by the owner (s) of the company, therefore, be exempt from taxes as well as

4. Other features of pension plans - in small companies, employees tend to stay in the way their pension funds. Employees older than 50 years of recovery plans, which means you can become an important part of his regular income economies. Moreover, as in the private sector, small businesses offer the advantages of individual retirement (IRA) for workers.

As in the previous list is whether the financial benefits of the plans are adequate. Staff with the assistance of the owner (s) may have tax benefits of these plans. These companies are the creation of 401K is necessary, because the system can help save the job (a tax). Given the importance of these plans is the ideal place to make a good plan for success in business.

Risks of Investment Shares

Few people ask "what risk?" if asked for investment in financial products, and only focus on the question "is there?". Different case with those who asked for the business, it is usually "what risk?" always asked first in comparison with the "how many there?".

Investors who are smart investors who ask them for any type of investment.
Sale and purchase shares must be made through the securities company that serves as a broker. Because investors can not directly deal in exchange floor broker without intermediaries. Make sure that the company has a securities license as a broker in the capital market. In this case the Indonesian Stock Exchange if you want to invest in the form of shares. Brokers act as intermediaries only transactions, while transactions in the decision on your own as investors.
So make sure you also have the expertise to invest in basic shares.

If you buy a stock, is the worst possible stock prices go down. That somehow as a negative assessment of the market shares of the company, or could also be fundamental for the company before the loss. But worst risk for you as shareholders is a very cheap stock price, or no longer want to purchase the shares, so that your funds are jammed in stock.

However, legally you are the owner of the company so that the company is entitled to the assets in accordance with the share ownership of your shares. So when the worst possible form of failure occurs, you can expect the liquidation value of the division. But in fact, very rarely, almost never even have the company go bankrupt in the capital market in a short time. Investors will be protected by regulations that ensure that the main company that the company is signed in exchange for a healthy financial. So that the risk to investors is just a decrease in stock value. Likewise pack, please learn more about the specifics of investment in the stock before you decide to really invest.

Use the Investing For Your Pension

There is a pension crisis in many countries in the world, with almost retirement prospects who are faced with more work or to resign in less than adequate retirement income. This is the fact that pension deficits and surpluses are small.

Another problem is the people who do not save enough for themselves. 63% of the United States openly acknowledge that there is not enough to save, and the UK is estimated that 46% of the population has not contributed to the pension program.

Even if you save for retirement, pension and savings needs, most of the funds to create a lifestyle that can be used.

For example, that U.S. citizens 30 years old who earn $ 30,000 per year. Suppose you have a pension from 65, get $ 30,000 per year. Based on 30 years of his life after retirement, which affect approximately $ 1.19 million under the age of 65 years. You must be an annual contribution of € 20,000 per year. Is it possible for the gross annual income € 30,000? Almost certainly not!

As an alternative to a pension? I think this is the best investment for many people, financial future.

First, is one of the best ways to increase the capital from time to time, can help you get the form of passive income you can live in retirement. In fact, the development of the actual asset is the most powerful forms of retirement wealth.

Another new feature provides more control over how money grows. You can decide what to do with ability and has many options for your own, how can affect the value of their assets.

Property also gives you more buying power. You can use the capital to buy assets that are greater than the initial investment, with the mortgage. You can use the capital expenditure in the house to buy more goods and create more wealth.

Finally, if the pension capital growth in real estate, given the increase in income from time to time, so increasing the amount of passive income.

The property is the "system", the choice for me, and one of the reasons why I went to all the usual financial advice to help build the future of financial security and a new type of pension funds can be a great retirement.

How To Be Successful And Independent Investor

Generally in the investment game is very afraidto make the decision themselves. Even after they decisions they have seen work many times they still did not want or too sure of their own to make and accept responsibility for decisions they do. It is great when you have someone to blame if things go with the one of the investment shares. Unfortunately for the blame someone after you lose money on the basis of what that has been said or done is a little financial consolation to you. Money you have lost. Are there more people who will be given to you make money from you? I do not think so. Shirking your responsibility in this well and can be a serious danger for your property.

You can refine your reluctance to make and decisions or lack of knowledge by teaching
themselves how to make your own stock investment decisions. How do you do?
Simple approach by studying an investment that have been working over a period of time. Not only on the when the market rose, but also when the below the diaphragm. No
no method or lack of investment in the internet but important that you find one that works for your situation.

Next make sure you get lots of practice in the without the risk of your funds so if you do your investment money that you are sure you will get a better return, then the average. Unfortunately, my investments continue throughout my career come across people who can not or will see the brokers, financial advisers, journalists and
entertainers for what they are. And still worse. Believe what they say.

Think about it!
Brokers are commission sales people. Making money from the broker put them earn from trade in the stock market. They do not make them make money from your money. Financial adviser to make good money of the cost for the consultation to you and / or commission of your money to put in funds under management. They do not make them make money from your money. Financial journalists write about news issues finance. That is the way to make money. They do not make them make money from your money.
Financial entertainers make their money not in television and the support of the product. They do not make they make money from your money. More self
teach how to invest successfully with the method which has been proven from time to time. Test methods before putting money at risk and then enjoy the satisfaction that all done by you.

No assistance through brokers, financial advisers, financial
journalists or entertainers.

So here all the many reasons why investings
alone!