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Archive for the ‘Investment Funds’ Category

Our meeting point daily with information from investment funds is preparing to close the fifth month of the year. A month in which the uncertainty and upheaval that threaten the developed economies, has meant a further loss for the entire equity investment funds.

Certainly one months complex, if we consider that, the campaign to attract deposits at 4% has been a fierce competition for deposits that have seen savings income have primacy profitability liquidity and availability before investment.

However, in the most positive aspect of this financial product, we highlight in this closing month of the campaign.

Campaigns in which a large number of entities have conditioned the granting of high returns to the relocation of portfolio investment funds from other entities or to the formalization of a new investment fund.

After our review for the best of the week, we pause today, in a very favorable data to make ends meet.

The assets of investment funds raised in October by 0.4% encouraged by the bond and the industry.

A report by the corporate savings has been reported that the monthly balance is mainly due to the excellent performance of fixed income in the preceding months and, on the other to the market instability.

From another perspective, managers have focused on, in search of its goals, better placement of investment funds.

Savers investment funds seeking perfect combination of security, profitability and liquidity and have been precisely those variables, which have led customers to choose investment funds in fixed income.

During the month of October have been reduced recruitment positions through deposits and equity, but investment funds have experienced fixed-income growth of 0.4%. Read the rest of this entry »

The deposits are attracting equity investment funds. Monday in our daily meeting point for investment funds. One Monday in which the macroeconomic scenario no improvements, the euro back to depreciate against the dollar, the Ibex 35 closed at 9280 points and data assets of investment funds published by Inverco for the month of April, show decreases 1.32%.

Decreases reflecting a loss of EUR 2.123 million, refunds that involve a derivation of assets of investment funds to pension plans and high-yield deposits.

However, the entities have the campaign to retain existing investment funds in a time when all financial products are used to deposit instruments.

Investment funds and fixed income investment funds guaranteed are those that have had better results. No doubt the protagonist saving is also for investors.

After the analysis issued by INVERCO on the development of investment funds in September and October, it seems we have very clear number of basic premises to choose an investment fund as an option.

The forecasted equity markets still unstable for a period of not less than six or nine months. Weak economies focuses on the household demand and consumption locked, the lack of liquidity in the government joined the unemployment and default rates, would put even with weak economies in growth indicators.

Investment funds in equities continue to be risky for small capital, get away from the volatility if your capital investment is small.

We focus therefore in guaranteed investment funds, secure their capital, diversified to maximize benefits and minimize risks with a high percentage of fixed income, national or international and do not necessarily state.

Thus, a proposal for investment funds for the moment, contemplate secured investments from 1970 to 1930 and emerging market equities.

We enter fully into the criteria to be assessed for the correct choice of an investment fund in which to deposit our savings.

Before selecting an investment fund must be analyzed the following variables:

What is our economic situation and the objectives to achieve: To do this we must evaluate the time we want to maintain the investment and the risk they are willing to assume.

Risk Profile: We must determine if our investor profile is variable, fixed or mixed. This variables such as capital investment, time investment and our personal finances are vital.

Having decided on the amount of the investment, how long we keep it and whether or not we are willing to assume some percentage of risk, we are prepared to let us advise on criteria based on cumulative returns and historical and political management by the managing body who develop an investment recommendation that fits our requirements.

We started the day on Tuesday at our meeting point for investment funds and do it with an operational procedure.

We speak of the procedure to follow if you want to make a transfer of its portfolio of investment funds to another entity.

For starters, the application is always on the target entity, which should indicate whether the transfer is complete or incomplete and prove its global position statement of the investment fund.

After 24 hours of your request and be in the bank of origin after working 48 hours should be posted and available for consultation.

As a general rule, transfers are available in a week.

Note: Remember that mutual funds are the only product of savings and investment that can make as many transfers as it sees fit without having to pay tax on capital gains.

Investment funds are savings products that will benefit most by the reform that the government makes on taxes.

While all savings products will be hurt, IFs are able to defer the payment due to its tax treatment.

Paid less for deposits and an improvement in the stock markets have helped to secure investment funds had increases in their portfolios for the first time in the past two years.

The details of the new tax rules, report that financial assets will be harmed:

Deposits
Actions
Bonds
Dividends
Investment Funds

The reason that these savings products have a single rate of taxation which is currently at 18% of capital gains.

However, it appears that investment funds may benefit as it allows to defer the payment of taxes if the surplus does not materialize.

This tax measure reverses the downward trend of equity and the scenario is optimistic, with a low Euribor portfolios of investment funds benefit due to low profitability that entities can offer on the remaining products liability for savings.

In terms of investment, guaranteed investment funds are those that ensure recovery of investment and, in some cases, a pre-set performance that will be added to the capital invested if the objectives are achieved.

If you enter into a guaranteed investment fund, must pay attention to the following:

Capital Guarantee: You must be very sure that the guarantee of effectiveness of capital invested is not restricted to meeting certain requirements and, if so, you must meet those requirements.

Liquidity: A large proportion of guaranteed investment funds subject the liquid to conditions. As in the previous paragraph should make sure what these requirements.

Expected return: investment funds are secured bond to ensure the recovery of invested capital plus a percentage of return agreed in advance. There are also guaranteed investment funds in equities, this method does not guarantee investment returns only.

In February 2010 the investment of foreign equity participation stock surged 82.86 percent over the same period in 2009.

We reports show that at the end of the first two months of 2010 funds in its portfolio were 6.47 billion pesos in equity securities (shares), while in 2009, this value stood at 3.54 trillion pesos.

According to experts, the international financial crisis which originated on the mortgage market in the United States prompted investors to viraran their looks to emerging countries like Colombia, which led to a spike in share value even exceeded 50 percent in 2009.

These figures are in line with the reports submitted by the CSE under which the trading volume in shares during December 2009 was 5.37 billion dollars, 84.80 percent more compared to December 2008, when it negotiated 2 90 billion pesos.

In addition to this, in the first two months of 2010, the IGBC has achieved a growth of 1.05 percent.

Tied to this turnaround is the fact that the Colombian economy during 2009 has registered a growth of 0.4 percent compared to 2008, when the expected months ago was even negative.

However, at the end of 2009 the portfolio of investment funds with foreign capital participation stock stood at 6.76 billion pesos, which shows that in the first quarter of 2010 a decline equivalent to 4.29 percent 291 billion pesos.

However, the news-side investments in debt securities are not the best.
Read the rest of this entry »

Diversification
One of the most clear and demonstrable to reduce the risk of an investment is diversification. By investing in many companies of different styles and cycles reduces the risk of a crisis in a given sector investment will lose value in an important way.

Mutual funds are composed of many actions at different rates and different sectors. For example the percentage of technology in the existing funds is approximately 25.00% today. If this sector is affected by a fall as that in 2000 the negative effect this will only 25.00%.

This loss can be buffered for example by members of another area that if you have uploaded in the same year as the energy sector. This diversification reduces the risk of investment.