Tag: Investment

by James Adam

Selecting the right investment banking course for a bright career


Business

If you are more inclined towards the market dynamics and always into the number game, then the most preferable career choice for you is to become an investment banker. For getting a credible job as an investment banker or analyst one needs to pursue some of the core investment banking courses. These courses provide an overview of the working procedure of this sector. Though this is a demanding sector, but those who readily want to challenge themselves they opt for this career.

Apart from a competitive environment and bulk load of works one needs to give immense care while choosing a good investment banking course. This helps to gain efficient and much-needed knowledge about the course.

Concerns before the opting course

Selecting an investment banking course doesn’t need much effort, but one should ask themselves some of the questions which provide the needed answers to pursue this course. There is numerous investment banking tutorial present on the web for those who want to learn this from their own.

Determine the type, of course, you want to pursue give a holistic view of your future goals. If you want to succeed as an investment banker then selecting a viable course is efficient.

Questions to Ponder

Below are some of the concerns which should be asked before opting for the course.

  • What is the timing of your course or the completion period of the training?
  • What are your future goals such as positions regarding investment banking?
  • Do you need any of the external certifications while pursuing the investment banking course?
  • What are your core competencies like how you work or the resilience power to work for long hours?
  • What are the monetary goals you want to achieve after attaining the completion of course?
  • Are you aware of the consideration which this sector needs?

These are some of the questions which should be pondered to select a viable investment banking course. These questions will help you to narrow down the kind, of course, you want to pursue. Getting an idea about the time gap you want to dedicate this course helps you to choose better. There are different courses such as a four-year degree course or one-year certifications. These segment-wise courses enable an individual to think about his/her prospects.

The other concerns include the area of interest. The above questions will provide you a view of your liking and interest area. There are numerous sectors available in this financial investment course. If you want to pursue the research or core company related investment and valuation.

Apart from questioning yourself with some of the core questions, it is mandatory to get a hold of your interest and competencies. For example, the way you handle your work, the tactics for carrying out in a stressful environment, getting a fair share of information, etc. if you have these capabilities then you should surely be able to choose a good investment banking course for yourself.

In India, if you want to join any investment banking course, then the investment banking operations course in Mumbai is the best.


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by James Adam

Is Cashmere Worth the Investment? Why the Materials in your Closet Matter 


Business

Image Credit: Everyday Cashmere

Cashmere is the definition of luxury. This pure, natural fibre has been coveted for hundreds of years, and only now are we starting to see the development of lower end cashmere blends or copy cat fabrics emerging onto the style scene. It can be so tempting to spy a savvy steal that seems harmless, but it’s important that you take the time to consider the true cost of low end cashmere. Cheaper styles are often blended with low quality materials, are less ethical and overall are not that well made, meaning all the things that you love about cashmere aren’t going to be there. Here’s why high quality, beautifully made cashmere is worth the spend…

Luxurious longevity 

Cashmere is built to last, there’s no two ways about it. Pure cashmere, when cared for properly, will be in your closet for countless wears to come. The fibre is soft, smooth and plush, and when you treat it with love it returns the favour by withstanding the test of time with unfathomable stamina! Your fabric won’t pile or bobble, cuts will stay in place and tones won’t fade after a few washes. Dye takes to cashmere beautifully due to it’s smooth cuticle and soft consistency. The longevity and vibrancy alone makes cashmere so valuable and worth the extra investment. 

Comfort, warmth and cosiness 

The texture of cashmere is just incomparable! There’s no other material that’s as soft, light or warm out there. Winter is the time when you want to feel snug and insulated, but you also want your skin to breathe and feel like you’re still able to move under all those layers! Cashmere is the perfect compromise, it’s silky soft to the touch, toasty warm and crazy cosy, what more could you ask for, really? Layer, wear alone, lounge in or venture out in your cashmere – there’s nothing it can’t do!

Timeless style 

If you’re looking to capture the graceful air of style icons such as Audrey Hepburn or Coco Chanel, then you’re going to be very happy with your cashmere pieces! This material is chic and timeless, bringing an elevated air of classic taste to even the most simple of your everyday outfits. Attentively made, quality core pieces will serve you time and time again. Cashmere is light, luxe and completely timeless, which makes it the perfect fabric to play around with when it comes to styling. Although your cashmere pieces are going to look fabulous on their own, they also mix and match amazingly with all kinds of different styles, textures and materials. Wear your cashmere with silk, leather, cotton, lace, tulle – it goes with everything, goodbye, boring winter outfits! 

Ethical and environmental 

Finally, cashmere that’s ethically sourced and consciously made is better for more than just our wardrobes. Responsible cashmere ensures that the goats it’s sourced from are well cared for, that workers are treated fairly and that the environment is not being unnecessarily damaged in the process of creating beautiful women’s clothing. Sustainability is such an important topic right now, we just can’t afford to look past the ethical implications of the pieces in our closets. Buy from responsible, local cashmere providers to find pieces that are as kind as they are chic. 

There you have it, a firm case made for slowing down and investing your money in items that are high quality, timeless and ethically made. Pure cashmere will always be worth  Get searching for cashmere collections that will elevate your wardrobe in every way possible!

by James Adam

What Does An Investment Management Firm Do?


Business

Investment management is the process of building a portfolio of stocks, bonds, and other investments based on your goals. You’ll be able to hire an investment management company or manage your portfolio.

An investment management company invests its clients’ money. They choose the correct selection of investments – from fast-growing, risky stocks to safe but slow-growing bonds. The aim is to achieve the return the client needs at A level of risk they’re comfortable with.

Investment management firms take on all the trouble of making an investment portfolio for their clients and opening up new investment opportunities that wouldn’t otherwise be available.

Investment management firms work for all different types of clients. Some specialize in wealthy individual investors. Others work with companies, charities, trusts, or major corporations.

Hiring someone to manage your investment portfolio may sound sort of service only the wealthy need — or can afford. But investment management is about making the foremost of your money: regardless of how much you’ve got in your portfolio, it’s essential to make sure every dollar is optimized. An investment manager can assist you in doing this.

The manager’s investment decisions are supported by various things, starting with your savings goals (retirement, education, and oversized purchase) and time-frame. They’re going to need essential information like how much the client has got to invest, how much return they need when they’ll need to access their money, and how much they’re willing to risk losing. You’ll also answer inquiries to help them assess your risk tolerance, or your ability to endure swings in investment returns and stock market fluctuations.

Investments range from cash deposits and government bonds to shares in new companies with unpredictable futures. An investment management company must be aware of the changes and calculate each’s investment risks and returns. That’s the work of an investment analyst.

Each client needs a portfolio of investments that match their goals. A diverse collection, with investments spread across many various assets, reduces risk – it’s a case of not putting all of your eggs in one basket.

That’s the fundamental outline of an investment firm’s business. There are a large number of ways to go about it. Firms might manage investments for multiple investors. They may invest in private equity. And there are other tasks for the firm, like business development and marketing, IT, pricing, and accounting.

The more profit they make for his or her clients, the more money investment management firms make. They charge their clients a management fee and take a percentage of the profits from the investments.

Some investment managers also are financial planners, providing holistic financial advice on cash-flow management, taxes, insurance, and estate planning. Others work with high-net-worth clients to address their financial planning and investment management needs and coordinate the services of other professionals, like lawyers and accountants. This is often named as wealth management. Wealth management offers more experience, like estate and tax planning, accounting services, and retirement planning, and investment management. If you would like a hand choosing investments for your IRA, investment management might be helpful. Wealth management would probably be overkill.

by Incredible Planet Staff

7 Helpful Investment Tips for Beginners Who Aren’t Sure Where to Start


Business

If you’re like most people, you know that investing is a great idea, and you know you’re interested in it. What you don’t know is how or where to start. The trick is to start early because this is the single biggest regret of most investors.

Whether you want to invest for a consistent monthly income, retirement, or simply because you want to be wealthy, it pays off a lot better when you start early. Our goal is to hold your hand and share some effective investment tips for beginners.

With this information, you may have a better chance of making an informed decision about what you want to invest in. We understand that investing may seem like something only wealthy people do, but you’d be surprised at how cheap and easy it can be.

  1. Develop a Workable Plan

You probably have an idea of what you want, and you can already imagine it. You may have seen stock billionaires and realized that you want to invest in the stock market.

However, it could be anything else from forex, to mutual funds, index funds, penny stocks, cryptocurrencies, real estate, among others. Whatever you choose, the trick is to start.

Learn how to save money before you start investing and figure out how much you can afford to invest every month. You can start with as little as $10 or $100, but there’s no limit, so invest as much as you can.

The more money you invest, the more money you’ll have working for you, and you know, the money that money earns, earns money.

  1. Have Short-Term and Long-Term Investing Strategies

Once you figure out how much you can save every paycheck, you need to plan your short-term and long-term investment strategies.

One of the best investment tips for beginners is to never put all your investments in a singular account. Short term investments are those you plan for anything below five years.

If, for instance, you need down payment for a home, a new car, or college fees in the next few years, it’s a short-term investment, and you can’t risk losing it. A savings account is not the best option because with most accounts generating interest rates of about 0.01%, you may lose money to inflation.

Americans are losing as much as $50 billion when they keep their money in savings accounts that generate low-interest rates.

If you want a savings account, try those online savings accounts with high-interest rates, so your savings will at least keep up with inflation. Beyond that, you can try other things like certificates of deposit.

Long term investments are those that go beyond five years into the future, like retirement money. The trick here is to maximize returns, so the last thing you want is to put the money into savings accounts.

  1. Start With IRA or 401(k)

One of the best investment tips for beginners is to start with 401(k) or any other retirement plan you have at your workplace.

Once you set up the account, you need to decide how much to contribute, and what investments to use. This is a good investment tip for beginners because their retirement accounts come with amazing tax breaks.

If you’re not employed and can’t invest in a 401(k), you should invest in IRA. IRAs are individual retirement accounts, and they offer similar benefits to those of the 401(k) account.

They are not only low cost, but a good way to prepare for your retirement. Another great investment tips for beginners is that it’s easier if you put these savings on autopilot.

  1. Assess Your Level of Risk

When it comes to investing, most of it is risky business, especially when you want to venture into investments like stocks and forex. You seriously need to assess your level of risk because you could spiral into depression if you lose more than you would like to.

Assessing your level of risk involves asset allocation, which entails what level of percentage you want to allocate to your investment portfolio.

If you’re as young as 35 years or below, you should go with an aggressive investment portfolio, like investing more in stocks. Your portfolio could be something like 90% stocks and 10% bonds for the long haul.

You’re probably worried about volatility and fluctuation, but this is a long-term investment, and you’re undoubtedly going to make more money in stocks than you would in bonds.

  1. Seek Professional Help

If you still feel like all this is too much for you to understand on your own, seek investment advice from the professionals. You can also bookmark websites like this fintech network to stay updated at all times.

Some of the investment strategies can be done individually, but some things are better with a professional, so talk to a financial advisor or planner.

  1. Have Realistic Expectations

Do you know how many people lose thousands of dollars chasing millions? Tons! You would be quite lucky if your money doubles in a year, and if that were to happen, you would need to invest heavily and take a big risk.

This is really not investing, but more like speculating, and even though stocks can be quite lucrative, they are also very volatile.

  1. Be Patient

In the beginning, things may seem fuzzy and confusing, but eventually, your profits will start to snowball, and you’ll get the kind of returns you desire. Try not to be greedy, and try not to predict market movements because it’s distressing.

Most of the time you’ll find that change in prices doesn’t necessarily mean change in value, so as an investor, patience is a virtue.

Investment Tips for Beginners

Investing may seem mysterious and downright confusing for you as a beginner, but with these investment tips for beginners, you have a good start. If you’re going to take any advice from this post, we highly suggest taking the one that says to start early.

If you need to talk to a professional first, then do it, but the most important thing is to start. For more incredible posts on business, tech, and real estate, please check out our blog section, where we have so much more!

by James Adam

Should I Buy a Timeshare: The Pros and Cons of Making This Investment


Business

Are you considering whether or not to buy a timeshare? Perhaps you have one specific vacation spot that you go to every year. If so, you might think it makes more sense to invest in a timeshare for you and your family.

While buying a timeshare can be an incredible option, there are certainly a lot of different pros and cons to weigh out before you do so. It’s all about making sure you’re falling into the right situation.

If you’re wondering “should I buy a timeshare?”, then be sure to see below for the benefits and disadvantages of doing so. Use this guide as you consider whether or not to invest.

Pro: A Place to Go Each Year

A frequent getaway is good for your health. In fact, studies have shown that employees who take vacations are often more motivated efficient at their jobs. Everyone deserves some time to get away from the hustle and bustle of thier everyday lives.

However, many people opt not to go on vacation for two reasons: the planning and the cost. People don’t want to add to the stress of planning the details of their vacation while trying to juggle their career and personal life.

If you were to invest in a timeshare, then that would never be an issue for you. You’d already know where you’re going to stay, what’s around your timeshare to do, and you’ll at least have an idea of where you’ll spend a majority of your time.

You can plan as many vacations as your job will allow thanks to the fact that you own a timeshare. The only thing you have to work around is the schedule of the other parties that have invested in your timeshare.

Con: You Aren’t Just Paying the Mortgage

There’s a common misconception about investing in a timeshare. People often think that investing in one only requires them to pay for part of the mortgage of the timeshare.

But there are many other expenses that you’ll be required to split everyone else that’s invested in that property such as cleaning fees, contracts, property taxes, utilities, remodels, etc.

Those that don’t anticipate those costs ahead of time are in for a world of hurt. It can lead to financial strain on you and your family’s livelihood. If you don’t pay them then the developer of your timeshare can give you the boot.

If you’ve already invested in a timeshare and find yourself in a sticky situation, hiring a timeshare attorney can help you get out of the mess you’re in.

Pro: They’re a Blast for Groups

Typically speaking, timeshares properties have several bedrooms and bathrooms, making them perfect for groups to vacation together. If you have a large family or friends that you want to bring along, then the timeshare makes it easier to do that.

You can also use your network of friends to pitch your timeshare to, thus helping you and the other timeshare investors gain some financial relief.

If you live too far away from your family to see them on a regular basis, then vacationing with them each year can be a great way to keep them close. You’re guaranteed a week or two each year to enjoy their company and catch up on life.

Those family vacations are much easier to coordinate if a timeshare is involved. You already know where everyone will be staying, rather than trying to perfectly match-up dates, rates, and locations among several rentals.

Con: You’re Entitled to Stay There

If you’re going to invest in timeshare, you have to make sure that you’re really passionate about the place that your timeshare is located in. Why? Because you’re essentially tying yourself to vacation at that same spot each and every year.

One major drawback of investing in a timeshare is that you have far less flexibility to travel and have vacations at other places. You already have a significant amount of money tied into the timeshare as is, making other vacations hard to afford.

If you’re the type of person that wants to travel to a new location every year for vacation, then investing in a timeshare isn’t the best idea. Timeshares make more sense for those that have vacationed at the same spot for 10 years or more, with no end in sight.

Pro: Flexible Dates for Vacation

Have you ever become frustrated with trying to find dates to vacation that a) work with your work schedule and b) won’t blow the top off of your budget for the year? If so, you know how tedious it can be to find the right fit.

Buying a timeshare gives you more flexibility, offering virtually any week of the year for you to choose from. The only other thing you have to consider is the desired rental dates of other investors in your timeshare.

If you want to take a weekend away to your timeshare, you can! If you want to vacation for back-to-back weeks, you’re free to do so! If you want two separate vacations in one year, you can do that as well. Owning a timeshare gives you the opportunity to do so!

Should I Buy a Timeshare? Let the Pros and Cons Be Your Guide!

Now that you’ve seen the pros and cons of investing in a timeshare, you can answer your question of “should I buy a timeshare?”.

Be sure to weigh out both the advantages and disadvantages to see whether it makes sense for you and your family.

Also, make sure to browse our website for more articles on buying timeshares, as well as many other helpful topics!

by James Adam

Being Penny Wise: 7 Tips for Researching Investment Opportunities


Business

Making it big in the stock market doesn’t happen overnight; it’s something that requires a lot of effort from you on a regular basis. You have to keep an eye on your stocks all the time and be on the lookout for new investment opportunities, too.

This means you’re constantly researching the stock market. Although there’s never a guarantee with these kinds of investments, the best way to succeed in stocks is to double down on learning about them.

Begin with the basics – like how to buy, sell, and trade stocks. From there, you can move onto learning about different stocks and tracking their performance.

It may sound complicated, but it’s actually quite simple!

Here are 7 tips to keep in mind when figuring out how to research stocks.

  1. Don’t Believe What You Hear

The thing about stocks is that everyone thinks they’ve got them figured out. Once you get into this market, you’re going to hear thousands of opinions about which stocks to buy and which ones are no good.

But, you have to remember that these are just opinions. You can’t take what people say at face value as the truth. You have to double-up on the things you hear and even written information that you may happen to see.

The more you make it a habit to check and double-check all the stock “opportunities” that people talk about, the more you’ll be able to identify the good stocks from the bad.

  1. Look at Annual Reports

It’s one thing to know you need to research everything you hear about stocks, and another to know where to begin your research. Annual reports are some of the best stock resources out there.

They help you understand the long-term success of a stock versus how it’s been performing lately. In other words, they show you the big picture. Say a stock falls significantly in the course of a week, but it has a long-term reputation of being a well-performing stock. This could be a sign that its drop is your chance to get in on the action rather than to avoid something that’s “failing.”

  1. Check Out Various Research Platforms

Annual reports give you an idea of what you may or may not be getting yourself into. But, you still have more stock research to do. This is why you need to figure out which stock research platforms are your go-to resources for new information.

There are many different websites and programs out there ready to give you the stock data you need. You’d be overwhelmed trying to use them all, but, it is good to cross-reference the information you get with a few different research tools.

  1. Use a Screener

As great as all the different stock research platforms are, they can easily get confusing. Make it a habit to use screeners in order to prevent overloading yourself with a bunch of information.

Screeners are basically filters. They’re tools that help you find the stocks with the most potential to benefit your portfolio. They scan through the entire stock market to give you the most relevant matches for your search criteria.

Such a tool can help you narrow down your stock options when you’re stuck between different choices. It’s also great at bringing new opportunities to your attention that you may not have found otherwise!

  1. Keep an Eye on the News

The next stock research tool you want to keep in your artillery is the news! Think about how often you’re reading news articles on your phone and all the TV news you watch throughout the day.

A good handful of these stories are related to stocks. News outlets love to share significant spikes and drops in the stock market. They know that this information matters to most Americans and they always want to be the first to share such shifts with viewers.

Not to mention, there are plenty of news stories that don’t directly mention stocks but do relate to the rise/fall of a stock. Think about it: what was the last scandal you heard about on the news? Have you noticed there has been some backlash or praise for a certain company lately, at a more than normal rate?

Stories like the kent moors scam are indicators that a stock may be on the verge of becoming more valuable or losing its value. They’re changes in the stock market you need to be aware of as soon as possible.

  1. Take Your Time

Although it’s good to get information quickly, it’s not the best idea to act impulsively on the stock research you do. Acting in such a way will rarely act in your favor. It’s better to wait out the buzz about a certain stock as it goes up and down.

This will allow you to see just how valuable a stock really is. Being patient in the stock market shows you which stocks have a tendency to rise and fall at a regular basis; it tells you that some dips are just natural and not to worry about them too much.

But, the patterns you see may also warn you about a stock that may not come back from a dip for a while. After you get used to how stocks work, you’ll be able to tell those that dip and rise regularly from those that are actually in trouble.

  1. Be Prepared to Fail

Keep in mind that there’s still a chance you lose some money in stocks no matter how much research you do. That’s just how the market works!

Stock research helps you be as prepared as possible. It shows you what you can most likely expect and what will probably not happen. But, it’s still a highly unpredictable investment niche to be in.

This is why research matters as much as it does. Learning everything you can about a stock and watching it closely for a little while is the best indicator of its overall success and the value it can bring to your portfolio. Everything else is just background noise.

How to Research Stocks, Real Estate, and Other Financial Opportunities

Are you about to make your very first investment? Are you used to investing in things like real estate and startups, and just now becoming curious about the stock market?

Wherever you are in your investment journey, the tips above can help you move forward successfully. Keep them in mind as you learn to navigate the stock market and identify your biggest opportunities.

by Incredible Planet Staff

Story of success connected with New Futura


Homes

The New Futura project boasts of being one of the largest multi-storied residential projects in Singapore’s Orchid in district 9. It is one of the most ambitious iconic projects in the country.

Those who have booked and aspire to live in this state of the art project are mostly youngsters with a dream. Jack Chen was one of those youngsters. An investment banker by profession.

As someone who always wanted to own property, the New Futura Project was an excellent opportunity. He booked a condo in early 2017 where he planned to live with his wife and two kids.

As a market-savvy person, Jack knew that the market was priced low and it was the best time to get in. Though he also knew that there was a subsequent wait ahead until completion.

Why did Jack Choose New Futura?

Jack chose to buy a New Futura Condo in the South Tower Level 14 Sky Sense. The reason for this was because he loved the design. He also liked the idea of there being several amenities.

Features like the Reading Corner, Wisdom Garden, Creative Garden and Lounge were especially attractive. It was one of those things he thought that the kids would enjoy.

The New Futura Price also fit right into his budget. Compared to other properties this one offered the best value for money.

The other primary reason for choosing the project was because his office was nearby. A mere 10-minute commute made it an attractive location.

Plus, the nearby shops, malls, and other external amenities were a huge bonus. Most of all his kids’ could attend some of the best schools in the city and they were nearby.

New Futura the Experience

Fast forward to present day, and Jack shifted in with his wife and two kids. Its been a month now and he has nothing but praises.

One of the things that instantly became apparent was that the price has appreciated. According to him there are already offers on the table that are nearly 2x the price he paid.

Many offers are from people within the business circle. Most of them are local, and the reason why they want to buy it is because of it being an iconic building.

People dream of living in an iconic building, and this is one of them. However, work is still ongoing on the other towers, and Jack is in no mood to sell right away.

Just saving on the rent, commute to and from work as well as the commute for kids makes up for the expensive. According to his calculation, he would have paid up the price of the home in four years.

Factoring in rental increments, commute costs, and other expenses when living far from the city center is what savvy businessmen like Jack consider when buying property.

If Jack did decide to sell two years from now when the other towards would be complete, he may end up getting 3x to 4x the price he paid. That’s in itself a huge profit.

Luxury on a budget

Jack is a successful investment banker, and luxury was something he always wanted in an apartment. Though with this project it does not cost him a lot.

“I love the fact that you have all these luxuries that no other apartment has in the city. Plus, all your guests know exactly where you live. It has done a great deal of good for my business.” Says Jack.

Others have experienced the same success as Jack with the project. The real estate markets are on an uptick and its now an investors’ market.

Reasons why this is a successful project:

  • State of the art design and construction.
  • All the best facilities for families.
  • Proximity to leading schools, malls and transportation.