Thursday, May 30, 2013

The Best Funds For You

Types of Investments


The Best Funds For You
By [http://ezinearticles.com/?expert=Angela_Stephan_Heasley]Angela Stephan Heasley



Stocks and shares scare most people, so it obviously would not be smart to invest our money in something that we don't understand or are not sure about. There are of course several safe investment areas available to us, but we are required to understand and analyse these as well before we simply invest our money. We need to be smart about our investments and put our money into investments that would give us the highest returns. While investing through big investment companies may seem like a good way to gain returns, we have no control over the gains we earn. Mutual funds performance is out of our hands, and we are unable to customise these funds according to what we need and require. There is also a high fee to pay to avail of these services and the time taken to get returns is long and uncontrollable. Even though there are several types of mutual funds available to us, the drawbacks of all are the same, so people who are looking for safe returns fast are at a loss in the mutual fund market.

For people who are still looking to make collective investments, the safer option would be the Index Fund. This type of fund is different, as it aims to recreate the movements of a specific market, and market conditions are not very important. To avail of such a fund, the fee required is minimal, however returns are not minimised. The low-cost of this fund makes it appealing and also accessible to people who are at the lower end of the income bracket. It is also easy to manage these funds, and the investment objectives of such a fund are easy to understand. These funds are simply rebalancing every six months or every year. Style drifts are not possible with these types of funds, so diversification of a portfolio is more accurate and can easily be increased.

The turnover expected from these funds is lower, as they are passive funds and not active funds. This means that capital gain taxes are not applied to these funds and so the investor need not pay the taxes that would come along with a high turnover rate. Investing in different types of funds eventually lies on the person and what kind of returns there are looking for, but in the end the safer way to invest would be through a fund that offers higher returns with low investments, and has a nearly hundred per cent accuracy rate of being able to predict the returns a person will gain..

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Article Source: [http://EzineArticles.com/?The-Best-Funds-For-You&id=7665865] The Best Funds For You

Types of Investments

Friday, May 24, 2013

Getting to Know the Types of Mutual Funds

Types of Investments Getting to Know the Types of Mutual Funds Getting to Know the Types of Mutual Funds
By Bruce Sands
Mutual Funds are generally termed as a combination of debt and equity, or for those who cannot understand stock and bond. As an investor, it would be wise for you to know the different types of investments, and the different types of Mutual Funds. This kind of knowledge will eventually help you diversify your portfolio, leading into a much more secure and less risky portfolio.
1. Stock Funds - On top of our list are Stock Funds or better known as equity funds. They are generally considered as the most volatile type of Mutual Funds. This is because their value will rise and fall at a considerable rate over a very short period of time. Example, its value yesterday will differ today, and there is absolutely no way to point out with 100% accuracy what will happen to it. But, there is enough evidence to show that stocks perform better compared to other types of investments, especially when assessed on a relatively long period of time. This is because that the value of stocks is generally affected by the company's wellness, and most of the time, a good company will eventually flourish given due time and proper management.
Stock funds are further categorized in many sub-categories, namely: growth funds, income funds, index funds and sector funds, each of which have their specialties, risks and differ in dividends. Most of the time, experts and analysts conclude that Stock Funds are the best types of investments that can survive inflation and the rapidly decreasing value of dollar and other currencies.
2. Bond Funds - Bonds Funds, or also known as fixed income, are investment opportunities in which you invest in the debts of corporations and governments. By doing so, you are provided a steady stream of income through dividend payments. Most investors often include a small portion of Bond Funds in their portfolio, for the purpose of diversification and as a steady means of income. Bond Funds are often low-risk and also, often pay low. Even high-risk bond funds do not really have the same profit as compared to stock funds. However, they are much more predictable and easier to manage.
3. Money Market Funds - Money Market funds are probably the most low-risk out of all the Mutual Funds, and other investments for that matter. However, they are limited by law to only a few specific high-quality and short-term investments issued by the U.S government, U.S corporations, and other state and local governments.
Money Market Funds have this so-called NAV, or Net Asset Value, in which is the representation of the value of ones share in a fund. Usually, it is a constant $1 per share. However, the NAV may very well fall below $1 if the investments and funds perform poorly and below average.
There is, however, enough statistical evidence that Money Market Funds have lower returns as compared to Bond and Stock Funds. This means that Money Market Funds are relatively prone to inflation and hyper-inflation.
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Article Source: http://EzineArticles.com/?expert=Bruce_Sands
http://EzineArticles.com/?Getting-to-Know-the-Types-of-Mutual-Funds&id=4514232

Types of Investments

Sunday, May 19, 2013

Simple Steps To Picking The Right Mutual Funds

Types of Investments

Simple Steps To Picking The Right Mutual Funds
By [http://ezinearticles.com/?expert=Angela_Stephan_Heasley]Angela Stephan Heasley


Things are getting costlier and life is getting difficult. At such a point, you need to make sure that you find ways to ensure that you can survive in the future - which is undoubtedly only going to get costlier. But how do you do this when you find that a single income isn't enough today, let alone enough to save for tomorrow? The answer to that question is rather simple. Instead of allowing the money you've managed to save up lie in your house gather dust or in a bank getting a pittance as interest - you could grow it manifold. One of the easiest ways to do this is by investing in a mutual fund. But before you can do this, there are some things that you need to do. The first of those some things, is to take a review of your finances. Consider your income and your expenditure and then tally how much you can save up and invest each month.

Then, look at your goals. Generally, it's best to divide your objectives into short and long-term goals. This makes it easier to decide where you want to invest. Another thing you should do is get an idea of when you'll want total of money. Mutual funds are usually about allowing your money to grow as much as possible. And this is possible when you allow them enough time to grow. Generally, when you need money around five years down the line, it's a short-term goal and anything around 15 or 20 years is a long-term goal. You will need to decide your investment strategy depending on these factors - so pay close attention to this. If you don't have the right strategy, not even one of the top mutual funds can help you out. Once you know your goals, you can decide the strategy.

If you have more short-term goals, then stick primarily to debt funds. This will ensure that you don't have to face unnecessary risks to your capital. On the other hand when you need to fulfil long-term goals, go for equity diversified funds. This is because there are higher chances of volatility paying off in the long run. Diversification is an important step, as well. Your losses in one sector will be compensated by the profits in another sector. Remember that you need to research before you start investing. These are simple basics that you need to do to set up a foundation - but the structure still needs to be built. And that's done by thorough research and careful investment.

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Article Source: [http://EzineArticles.com/?Simple-Steps-To-Picking-The-Right-Mutual-Funds&id=7708726] Simple Steps To Picking The Right Mutual Funds


Types of Investments

Monday, May 13, 2013

What You Should Know Before Investing in Equity Linked Savings Schemes

Types of investments

What You Should Know Before Investing in Equity Linked Savings Schemes
By [http://ezinearticles.com/?expert=Radha_Reddy]Radha Reddy and G Rajasekhara Reddy

Equity Linked Savings Schemes are popularly known as ELSS Mutual Funds. They are open ended mutual funds with a lock in period of three years. The lock in period is for availing tax benefits under Section 80C of Income Tax Act 1961. Although, there is no limit for investments in ELSS Mutual Funds, maximum tax exemption is available for an investment up to 1,00,000 rupees.
ELSS Mutual Funds have the shortest lock in period of 3 years compared with other similar tax saving investments. For example, bank fixed deposits have a lock in period of 5 years to avail tax exemption. These funds invest more than 65% of funds in equity and related instruments and are eligible for Long Term Capital Gains (LTCG) Tax exemption. Moreover, all the dividends paid by the scheme are tax free in the hands of the investor.

Investments in these funds can be done either as a lump sum payment or through systematic investment plan. It is advisable to invest through SIP which has rupee cost averaging benefit. Most people rush to invest in these tax saving funds in the end of March. This last moment investment may not be optimal for investors as with systematic investment planning. Minimum investment is 500 where as in other funds it is 5000 rupees. Both dividend and growth options are available. Choose the option as per requirement and once opted a choice, it is not possible to change it during lock in period.

Although these funds offer shorter lock in period, multiple tax benefits, they are not suitable to all investors. Investments in equities and related products have high market risk. These are subject to high market volatility. There may be loss of capital too while investing in equity linked products. Before investing in such schemes one must check whether they are suitable for their risk profile.
Although, equities are volatile and risky in short span of time, they provide higher returns. As an asset class equities provide best inflation adjusted returns in long term.
It is true that past performance of any mutual fund may not be repeated in future. But studying the performance of the fund over longer periods can give more predictable future performance of the fund.

It is a good idea to link your investments in mutual funds to a long term goal which has emotional bearing. It can be buying necklace to wife, Child marriage and so on. This will help to reduce the temptation of redemption without major reason. Most investors choose to redeem their investments when markets are performing badly. By doing so, they miss further appreciation opportunity.
You can see more details and comparison of various ELSS schemes see [http://teluguinvestor.com/blog/mutual-funds/elss-mutual-funds-multiple-benefits/]ELSS Mutual Funds

Article Source: [http://EzineArticles.com/?What-You-Should-Know-Before-Investing-in-Equity-Linked-Savings-Schemes&id=7559359] What You Should Know Before Investing in Equity Linked Savings Schemes

Types of investments

Wednesday, May 8, 2013

Forex Education - Platform And Brokers

Types of Investments


Forex Education - Platform And Brokers
By [http://ezinearticles.com/?expert=Hanif_Somani]Hanif Somani


Trading platform, also known as electronic trading platform, is a computer application on which traders observe currency price movements in the form of a chart. However, it is more than that. Traders can also place various indicators on their charts to help them decipher where the price of the currency pair they are observing could be headed next.

The most common trading platform is called the MT4 which is currently being replaced with MT5. The MT stands for MetaTrader and the software is written in MQL which has been developed by the MetaQuotes Software company.

The MT4 platform is robust and flexible for currency trading. It can show price movements in three chart formats, the most common of which is the candlestick. Candlestick patterns just on their own can give useful information on price direction to the trader. The other two chart formats are the line and the bar charts.

In currency trading, predicting the future price movement of a currency pair is how traders make money and also avoid losing money. There are hundreds of indicators available on the MT4 platform designed to give an indication of where price could be headed next. Depending on their trading style, traders normally combine indicators on their charts. If one or more of their indicators line up, for instance tells them to buy the currency pair, then they would go 'long'. The opposite of going long is of course going 'short' which is to sell.

Brokers are financial institutions that manage trades between the trader (their client) and the bank. There are two types of brokers, those with Dealing Desk (DD) and those with Non-Dealing Desk (NDD). There is plausible argument of a conflict of interest when you trade with a DD broker; they could be actively trading against you in which case they have the potential to manipulate your trades.
On the other hand, NDD brokers, also known as Electronic Communication Network (ECN) broker, passes your trades straight through to the bank and therefore the market. This broker does not 'handle' your trades like the DD broker can.

The appearance of an ECN broker has revolutionised Forex trading and is one of the reasons why retail Forex trading, also known as Over The Counter (OTC) trading, is so popular and is gaining more ground every day. Some brokers customise their MT4 platforms and include extras such as real-time news feeds. Currency price movements are influenced by economic news releases so keeping track of these as they are released is vital when trading.

Some traders prefer to automate their trading using so called robot also known as Expert Advisor (EA). There are two types of EAs, fully automated and semi-automated. It is up to the trader to choose which one fits in with his or her trading style.The EAs are programmed specifically to run on MT4 platform.

To get the most out of EAs on MT4, you need to run the MT4 on a server which runs continuously i.e. 24/7. A good robot 'learns' over time how the price changes in a currency pair and it would then then place a trade based on this and other criteria it has been programmed with.
Some brokers provide such servers free of charge as part of their service under certain conditions. These servers are known as Virtual Private Servers (VPS) and are normally maintained to the highest standards in terms of software and security.

MT4 platforms are available for the three main operating systems: Windows, Apple OS and Linux. They are also able to run on smartphones. With an MT4 platform you can trade Forex from anywhere as long as your device has internet access and an MT4 application.
Forex trading provides an excellent opportunity for anyone to make passive or full time income from the forex market. As long as you have the right knowledge gained from reading the right material, you can make it a profitable and even possibly a life changing endeavour.
Hanif Somani, Ph.D is an Internet Marketer and Forex Trader. Hanif obtained his Ph.D. from University of London in a scientific discipline and is passionate about conveying complex ideas to his audience in a simple but not simpler way. Hanif believes that anyone can succeed in their endeavors if they first obtain the knowledge and then apply it correctly in an incremental way. Knowledge is the key to success and this is what Hanif is happy to convey and share. I write regularly on all aspects of Online Income Sources which you can find on my blog at [http://simplymakingmoneyonline.net]Making Money Online.
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Article Source: [http://EzineArticles.com/?Forex-Education---Platform-And-Brokers&id=7301783] Forex Education - Platform And Brokers

Types of Investments



Thursday, May 2, 2013

What Are the Best Trading Systems for Beginners?

What Are the Best Trading Systems for Beginners?
By [http://ezinearticles.com/?expert=Andrew_M_Hewerdine]Andrew M Hewerdine

Let's take a look at some of the different types of strategies and systems that you can use in the Forex market.

Indicator driven
You know the type. You've just read about it in one of the Forex forums out there. When the 27SMA crosses the 51EMA and the PSAR is under the price action, then the stochastic crosses all while the moon is high in the sky and, by the way - this system is only suitable for trading in the morning.
It's obvious that these kind of trading systems are never going to work, yet so many people feel the need to try them out. Well if that's you, good luck. You're going to need it.

Trading systems that rely on a load of indicators all over your charts are never going to work long term. They've been designed by someone who happens to notice that it's working right now on a currency pair or two, on one particular timeframe. It's also worthwhile pointing out that these trading systems and strategies that are designed and posted in trading forums are usually the work of unprofitable traders, who are still jumping from strategy to strategy.
My advice, avoid at all costs. You'll save yourself loads of heartache and money.

Old school technical analysis
You could try the old school technical analysis that's been around for as long as anyone can remember. There's ascending triangles, consolidation breakouts plus head & shoulders patterns, flag patterns and all the other patterns from technical analysis 101. Well the good news is that this stuff works. It has done for generations, and is very likely to keep working well into the future.
The hard part is that a lot of newer traders simply find this style of trading boring, or not as exciting as an indicator driven system. They feel that the more complex the system, the more likely it is to be their holy grail.

There's a very good reason why old school technical analysis is still around, it's because it works, and plenty of experienced profitable traders use it in their own trading.

One of the major downsides to using old school technical analysis as a trading system is that as a trading approach, it tends to be lower success rate, which a lot of people are unwilling or unable to deal with. Of course with this approach being a lower success rate, the winning trades are typically very large, which makes the system profitable.

Overall, old school technical analysis is something that you need to learn, as it complements a lot of other trading approaches, and really gives you a solid foundation in the Forex markets and beyond.
Some guru's latest flash in the pan strategy
If you buy my latest and greatest trading system NOW, I'll personally guarantee to you that you'll never lose a trade again; you'll only ever make money and turn your computer into an automated cash machine.

Yeah, right!
Unfortunately the market is awash with these so called 'guru's' that have never even traded in their lives, yet will more than happily sell you their latest unbeatable trading system.
This is an obvious one, it's not going to make you any money, but it will make money for the guy that's selling it. There are some good educators out there, but they are few and far between.
Before you choose which trading Education Company you use, make sure they have proof of trading results of their trading systems, and experienced traders who have spent time and money in the markets.

Harmonic trading patterns
Harmonic trading is the art of recognizing particular price patterns in line with Fibonacci extensions and retracements to calculate turning points in the financial markets. Blow your mind yet? Harmonic trading is far from being the easiest way to trade the Forex markets, yet it could be one of the best trading systems out there due to the high reward:risk ratio's and the fact it can be traded on any market on any timeframe.
Harmonic trading patterns probably shouldn't be your primary focus if you're new to trading, as learning how to trade these patterns does take time and a lot of learning. For traders who are already in the market and looking for something else to add to their toolkit, harmonic trading is worth a look.

Price action trading strategies
So here we have it, I confess, my favourite, and in my opinion one of the best trading systems you can learn. Price action trading is the reading of the raw price action on a chart. The price is the most up to date information on the chart, so traders should really focus most of their attention and learning on the price action.

There are lots of different price action patterns such as pin bars, inside bars, engulfing bars, inside bar fakey, not to mention all of the candlestick patterns such as hammers, shooting stars and so on. There may seem to be a lot, but quite a few are actually very similar, and do the same things. A Forex trader armed with these price action trading strategies in their arsenal has the ability to trade any market on any timeframe, as price action setups are effective in all market conditions.
Price action trading can also be used alongside other types of trading strategies such as harmonic trading, standard technical analysis and almost all other trading systems. Price action trading is one of the best trading systems because it can improve the effectiveness of all other strategies, by improving entry criteria, and reducing stop losses.
Conclusion

It's fair to say that so long as you stick to something like price action trading or old school technical analysis you can't go far wrong. Be warned about all those different indicator systems out there in the forums, and make sure that you get your Forex trading education from a company with live trading results, and experienced traders.
One final thought...

Make sure that you pick a trading approach that is likely to resonate with your personality. It may take a couple of attempts, but once you find one that you like and can become consistent with, stick with it. One of the biggest issues newer or beginner trader's face is chopping and changing between different trading systems. Don't get caught with that one. If you want my recommendation, price action trading is one of the best trading systems, every single time.

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Article Source: [http://EzineArticles.com/?What-Are-the-Best-Trading-Systems-for-Beginners?&id=7656784] What Are the Best Trading Systems for Beginners?

An Ideal Forex Trading System Exclusively For Novices

An Ideal Forex Trading System Exclusively For Novices
By [http://ezinearticles.com/?expert=Bernice_Eker]Bernice Eker

With regard to the Forex trading system, there are numerous individuals who may not be doing business online may not understand what it relates to.

Even as Forex trading isn't all that hard to learn, it represents unique information and a lot of people appear reluctant to simply give this wonderful system a go. Anyhow through the current article, we will guide readers, and instruct those perusing my article about what my system involves & the way this could profit users.

So as to emerge a successful person via the Forex trading system, users must know strategies, and gain complete understanding on the finer points regarding Forex.

To start with, probably the most useful action you readers could perform to help your business, if you are looking at entering the Forex day trading system, involves accomplishing indepth study. Be sure that you look at everything you can; it will train you all to emerge as extremely profitable traders as well as insure you are exceptionally knowledgeable about the trading system. Also, you may become a trusted consultant on the Forex trading system.

Online, there are lots of different courses that teach everything that you need to know about how the foreign exchange business operates.

They should also explain, at length, relating to the various kinds of Forex orders which would be accessible by you. Also included in the Forex trading classes, you will get information about indices and what exactly those signify, and also, all sorts of information about the economic indicators that traders, like you, should understand. Forex trading strategy tutorials are additionally obtainable on the Internet; these will let you know all about the various options and strategies you'll require to be aware of, even as one morphs into a champion trader.

Talking about systems, you'll require to ascertain you don't start sacrificing your hard-earned money prior to your completely comprehending the system. Many online Forex concerns engage in making incredible boasts of income of thousands of dollars, daily but although the claim is undeniably achievable, you have to insure that you understand the system prior to handing over precious dollars.
Reading everything about Forex trading systems, acquiring necessary information, and following all the classes rendered on-line, will not just change you into an improved trader, but you will additionally be able to know the trading system in a far superior manner, compared with anybody else who has not gone through the preparation you did.

As you, by now, have all the facts, press on and try and find some more information on some of the websites you would like to enroll in! You have numerous webpages that provide different types of contracts and may be able to really launch your career in Forex trading.
Most people are extremely skeptical of Forex. But that is mostly since they do not understand what it is. If you have taken the trouble and have learnt about the details of systems and strategies, you should have absolutely no problems earning a pile on any website that you deem worthy to sign up with.

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Article Source: [http://EzineArticles.com/?An-Ideal-Forex-Trading-System-Exclusively-For-Novices&id=1879267] An Ideal Forex Trading System Exclusively For Novices