Jan 21 2009
Investment Tips for 2009
1. Safety before profit
In the investment portfolio, products and classic defensive, rather than fixed variable, and only a small percentage of equity.
2. Expect that the stock market
There is one thing that analysts are people agree: nobody knows what will happen. It is unlikely that prices (with a general fall of 40%) have already bottomed out, and predicted some quarters moved. Thus, if you do not want to lose, better to abstain for now.
3. Guaranteed funds
Investment funds have been severely punished by the withdrawal of investors who became a flight of capital. However, the pattern of guaranteed funds, which guarantee repayment of the amount invested in the market reversal, and reduce the risk.
4. ETF: to tap foreign markets
The Exchange Traded Fund are investment funds or indices referenced to specific markets, and allow a performance of controlled risk. An informed investor knows temple and come and go at the whims of the market. But: the risks of equities are the order of the day.
5. Debt-to float on inflation
Treasury bills offer a very low profitability (between 2 and 3.5%), and only allow one recovery points above inflation. However, they are the safest investment there is. The bonds and obligations of the state offer an interest a little higher (between 3 and 4.5%), but very long (10, 15 and 30 years).
6. Bank private debt
Corporate finance can offer high returns in the short term provided that we choose the companies with strength, volume of business and reputation to bear the brunt of the crisis. It is expected that the stars of this type of investment are the big banks.
7. Bearing accounts
They offer two main advantages: a return above inflation and immediate liquidity, while not as an investment.
8. Gold: the universal refuge
Revueltas, deflation, and wars are on the first page of the newspapers. And the plants, the mass exodus to gold (either through certificates of deposit or purchase physical), a refuge set in stone. It is believed that in 2009 the price could rise to $ 2000 per ounce.
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