model investment portfolios examples
Now briefly look what are the types of investment instruments and models of investment. Further each financial instrument will be devoted to a separate article. Again give a list of them for clarity.
Investment instruments
1. Bank deposits
2. Unallocated metal accounts and the purchase of the physical precious metals
3. Life insurance in the insurance companies
4. Pension savings in private pension funds
5. Investment coins
6. Mutual investment funds
7. Stock exchange
8. Investments in real estate.
9. Trust management
10. Forex
11. PAMM-accounts
12. HYIP projects
Models of investment investment term:
1. Short-term (1-6 months)
Here are some of the tools you can use: deposits with banks, Unallocated metal accounts (especially effective when inflation of over 10% per year); mutual funds and an independent trade on the stock exchange, and for lovers of tickle their nerves is Forex, PAMM-account and HYIP projects (for example pyramid Äåâëàíè).
2. Medium-term (6 months - 1 year)
Medium-term financial instruments in General, all the same, only the planning horizon of more and we have to be able to plan ahead and anticipate a few steps further. For example, if You expect an acceleration of inflation by the end of the year, it is clear that we should not now make money on Deposit in the Bank.
Interest rate is small, and in accelerating inflation they will depreciate in value. If prematurely withdraw the money, you will lose interest. So probably makes sense invest in mutual Funds bonds or CMI gold for example.
3. Long-term (1-5 years)
Long-term instruments the investment in promising stocks, mutual Funds (especially project closed mutual investment Funds), health insurance, investments in real estate, asset management. All of this with a more long-term planning.
4. Strategic (more than 5 years, often with a release date of the financial instrument)
This accumulative insurance from 5 to 20 years, private pension funds, investment coins, real estate. Everything else is too blurry, Yes and 8-year crisis cycles nobody abolished in our country, they have become regularity
Models of investment on the level of risk
The risk depends on the level of income that You expect to receive from investments.
1. The risk-free or low risk
The level of risk here from 0 to 3%
The risk-free instruments are: profitable deposits, depersonalized metal accounts, savings insurance and accumulation through non-state pension funds (NPF).
2. Medium-risk
The level of risk of investments 3 - 25% (in depending on the instrument)
Here are: mutual Funds and Bank-managed mutual funds (General funds of banking management) large and well-known companies and banks, investment coins, trading on the stock exchange (bonds and shares of the companies of the first and second echelon, arbitration), investments in real estate from a reliable Builder, trust management
3. High-risk
The level of risk of investment of 25%
Here relate aggressive and risky mutual Funds (on the strategy of work), trading on the stock exchange the shares of the companies of the third echelon, «junk» bonds, Forex and with derivative financial instruments, investments in the property of a second-class developers, Forex, HYIP projects, of the PAMM-account.
Now
1) Risk-free or low risk investments will be +/- 2-3% from the level of inflation;
2) Medium risk, when do you expect the yields of 15-30% per annum.
3) Risk when You expect a yield of over 30% per annum.
Further You write down its investment strategy, on the basis of their criteria.
Criteria for determining investment strategy:
1) the Age of the
2) the Level of income of the
3) the Tendency for risk
The traditional model of investment looks like this:
25-50% of risk-free investments
50-75% - medium risky investments
0-25% - risky investments
The older You are, the less risky investment and the higher the share of risk-free investments. The rest is Your attitude to risk and the presence of «financial cushion» in the form of a condition of the account in the Bank, adults and secured by children, rich relatives, etc.
