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What is an Investment
Investment is an asset or item, which is purchased with the goal of generating income or appreciation at some point in the future. An investment always concerns the outlay of some asset today (for example money, time or effort etc.) in hopes of gaining a greater payoff sometime in the future, than what was originally put in. An investment can refer to any mechanism used for generating future income including bonds, stocks, real estate property, business etc.
Investing means that an individual purchases an item, a good as an investment – the intent is not to consume the good but to use it in the future to create wealth. For example, an investor may purchase a monetary asset now with the idea that the asset will later be sold at a higher price for a profit or provide income in the future.
Investment solutions
To ensure that you invest with confidence our consultants will always provide you the best solutions taking into account the type of investments and your acquired assets.
The popular types of investments include real estate, stocks or equities, mutual funds and commodities (such as copper, oil).
Robo-advisor vs Financial advisor. Nowadays robo-advisor’s service is becoming more popular. Automated investing is the use of digital platforms to make pre-programmed investing and trading decisions for customers based on algorithms and variables from the users (i.e. customers) such as income, age, goals and risk tolerance. In order to use an automated investing service the customer needs to set up a robo-advisor account first.
On the other hand a Financial advisor is capable of implementing innovative approach and providing “out of box” solutions tailored for your business. Analysis of portfolio and asset management is an important process in the investment industry. This process is aiming to determine the risk controls, to elaborate on the possibilities of investments diversification and benefits of various timeframes.
Business loans for investing i.e. leveraging
Five essential questions to ask yourself before using a loan for purchasing an investment:
- How will you pay for the loan if your investments fall in value?
- Can you provide sufficient loan security?
- If worst case scenario happens, can you afford to lose the collateral you put up for the loan? Any asset used as collateral, including your real estate i.e. home, can be taken by the creditor to satisfy the loan.
- What would be the comfortable repayment plan for your business taking into account the nature of your business
- Are the investments you intend to buy with borrowed money suitable for your company goals and risk tolerance?
In business world leveraging means investing with borrowed money, it is also called „invest in loan“. Usually leveraging involves more risk than paying for an investment outright with cash.
Investment portfolio
Portfolios need to be adjusted periodically based on life changes, but the focus should remain on the long term. Portfolio management consists of 3 important elements: the term of investing, diversification of investments and risk tolerance assessment.
Asset management service is usually offered by financial institutions and is generally available to corporations, government entities and high net-worth individuals. This service refers to the management of investments on behalf of others. This process essentially has two goals: appreciation of a client’s assets over time while mitigating risk.
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