Investment
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Interesting facts about the investment sector
Everything you always wanted to know about finance.....
> Real Estate investments?
> Bitcoin has always heard something about it, but what is behind it?
> Gold and diamonds safe investments?
> What actually is trading in the financial sector?
> What are the current best investments?
Here you can find out more, take some time and study the pages maybe one or the other is interesting for you ....
Investment Real Estate
What are investment properties?
Investment properties are properties that generate income or are otherwise intended for investment purposes and not as a primary residence. It is common for investors to own multiple properties, one serving as a primary residence while the others serve to generate rental income and profits through price increases. Investment property can provide investors with opportunities for financial gain, help build wealth, increase income and diversify an investment portfolio.
Advantages for investment properties
The benefits of investing in real estate are numerous and can vary depending on the investor's goal. How much money should be invested in a property can depend on the risk tolerance of the investor. It's also important to consider an investor's time horizon when making such a large purchase or investment.
Some investors invest in real estate to diversify their money away from the stock market. Other investors want their money invested in physical assets rather than securities like stocks or bonds. Key benefits of investing in residential and commercial real estate include:
capital appreciation
Investment property can generate capital gains for investors as property values increase over time.
However, prices have risen dramatically in recent decades as demand for housing has increased. Both supply and demand play a role in generating capital gains from real estate. When there is less real estate or supply in a geographic region, real estate prices tend to rise, other things being equal.
rental income
Many investors buy real estate because of the steady streams of income they provide. Whether the property is residential or commercial, tenants or occupants pay the owner each month until the lease or lease expires. This source of income can represent a stable income.
One more way
A real estate investor might also seek to participate on the credit or financing side of projects in anticipation of a return on their investment. For example, investors could be the lenders behind real estate hard money loans.
Bitcoin and gold for comparison
What is Bitcoin?
Bitcoin is a digital currency that is located in a worldwide decentralized payment system. This means in the end only that payments with Bitcoin run only P2P (from person to person) - there are no banks or other financial institutions between the transactions.
You have to store a Bitcoin somewhere like your money in everyday life, in the case of Bitcoin and other cryptocurrencies this happens via so-called wallets.
Wallets are nothing more than digital wallets, which can be downloaded to the smartphone and/or the PC and used there. Another significant difference to our banking system is that your money is not managed by the bank, but stays on the blockchain, where it cannot be blocked by anyone. For example, you don't have daily limits or maximum transaction levels for cryptocurrencies, as is often the case with your home bank. Bitcoin offers a further difference with regard to bank transfers to other countries. However, this is always possible with high costs and a waiting time. If you want to send money from Germany to Australia with Bitcoin, it's just as easy as a Bitcoin transfer within Germany. All you and the person who gets the Bitcoin needs is a wallet and access to the wallet, so you need a stable internet connection.
The code behind Bitcoin
The programming code of the Bitcoin protocol is open source, which means that everyone can look at this code and determine for themselves whether this is a secure technology or not. To do this is a solid basic knowledge of programming and programming languages of need. This protocol also states that the number of bitcoins in the world is limited to 21 million bitcoins. In order to recover the comparison with the banks, banks can print or punch their notes or currencies as often as they like, often causing inflation. Let's take a look at the technology behind the transactions, from one person to another, with Bitcoin and explain how Bitcoins are created.
What is a Bitcoin Miner?
The so-called miners are responsible for the creation and validation of the transaction of Bitcoin. Miners are members of the decentralized network and validate, so confirm the transactions that run from one wallet to another.
The various Bitcoin transactions from all over the world accumulate in blocks from where the term blockchain comes from.
In order for the transactions to actually proceed, the blocks must be cracked by decrypting very heavy invoices. Only as soon as this decoding has happened, the transaction was also actually executed. The cracking is taken over by the miners, several miners try to crack a block from the blockchain at the same time, but this always creates only one miner which is then rewarded with Bitcoin, for its provided computing power. Since everyone can work as a miner and make their computing power available to the system, this is a decentralized network carried by the miners. Each time you crack a block, you get a reward, but it gets smaller and smaller from time to time and that until the 21 million bitcoins contained in the protocol have been distributed. However, the miner is not only dependent on the remuneration of the system, but also have an income from the mines through the transaction fees.
What is a Ledger Wallet?
In addition, all transactions are recorded and documented in a ledger, which means as much as the payment book. This ledger lists all transactions with the amount of the transaction itself and the wallet numbers of the sender and the recipient. Although all transactions are traceable, you cannot trace them back to the person who received or sent the Bitcoin. The system was intended from the outset as a system for anonymous numbers, whereby there are meanwhile possibilities to find out to whom these
Given all these facts, it makes little sense to regard bitcoin as a long-term investment to increase its wealth, as the market is subject to high volatility and major crashes or hacks can occur. If you still find the technology and functionality behind it exciting and want to put it on, you can do so. But you have to be aware that this is a purely speculative investment. You may also be able to incur high or even total losses.
If you want to invest in Bitcoin, it is only with money that you do not need badly and that, in the event of a total loss, would not jeopardize your existence.
Can bitcoin and gold be compared at all?
The question is justified. Bitcoin is primarily used as a cryptocurrency to function as a means of payment in everyday life. Gold, on the other hand, is now a classic form of investment, more precisely: asset protection.
But on closer inspection, there are many similarities. Both are not official means of payment, both are not subject to control by central banks, both cannot be increased arbitrarily at the touch of a button, and both are considered as alternatives to paper money because they promise value stability due to their limitations.
And just like gold and bitcoin fans, they have the distrust of banks and the financial industry, the fear of money devaluation and currency manipulation, as well as the conviction of having something that works as money or as an investment, depending on the point of view. Economic Libertarians and Anarcho-Nerds meet for a job. So a comparison of bitcoin and gold is legitimate.
The main points briefly summarised:
Bitcoins are not subject to control by central banks or other financial authorities. They do not belong to anyone, cannot be controlled by anyone, and cannot be manipulated.
Bitcoins do not have a central instance, but are organized decentrally in a peer-to-peer network. A client software is required to store, send and receive bitcoins.
Bitcoins allow financial transfer between A and B without a financial institution. Each transaction is checked by the community in a kind of digital cash register, the so-called blockchain. If a money transfer takes place from A to B, then a message is sent to all clients in the network that the transaction has taken place. Recipients like payers themselves remain completely anonymous.
Encryption is an essential security factor. Each participant has 2 keys, one public and one private. A money transfer is only valid if both keys fit
Since the blockchain is nothing more than a decentralized database, this is another important security aspect. All servers worldwide would have to fail simultaneously to turn off the blockchain. Encryption and decentralized blockchain concept make cryptocurrencies safe
Bitcoins are virtual, i.e. they exist exclusively on the Internet. They can't be touched like coins, banknotes or gold. But they can be exchanged back in known currencies
Bitcoins allow anonymous cross-border and cross-state money transactions
Bitcoins are not printed, embossed or otherwise manufactured, but virtually "stamped." However, they cannot be propagated as desired at the push of a button, because the quantity that can be generated is limited in the system. Bitcoin has a limit of 21 million units.
Bitcoin began in 2008. It is the oldest and currently most famous cryptocurrency. There are now hundreds of other cryptocurrencies.
Gold vs. Bitcoin in comparison
Property protection! Every asset portfolio must have security anchors. This is where tangible values come into play. Since they are deposited with a real physical value, they are considered to be a classic form of asset protection, value and protection against money devaluation. One has a real value that can be touched and is therefore independent of political or economic developments. Real estate, land, or gold are considered classical property values because their value cannot be reproduced or changed at will, such as fiat money or interest products.
Both score points in protecting against inflation. Gold offers a good hedge against money devaluation. In contrast to paper money, bitcoins are also fundamentally valuable, since their quantity is limited. But do both also offer protection against total loss?
Gold will never lose its value altogether. A total loss is excluded. Gold defies earthquakes, fires, water or political crises. It lasts for centuries and has always retained its function as a store of value in the history of mankind.
Bitcoins, on the other hand, can theoretically suffer a total loss. No electricity, no internet, no cryptocurrency. And what is programmed by people can basically be manipulated by people. The term single point of failure refers to a vulnerability within a system whose failure would result in a total loss of the overall system. And: Even if the amount is limited, Internet money is not a material value, but only a virtual nominal value.
Emotional security
Rational arguments are important for every investment. But they're not everything. Gold is sensual. The shine and warmth of gold have fascinated people for thousands of years. This is why gold is so sought after. And you can touch gold. You have something that belongs to you directly, and that can be directly reached without technical aids. This kind of emotional security should not be underestimated.
Precious metal gold
Gold is a yellowish shiny precious metal (chem. Element, ordinal number 79, mass number 197, character: Au/Latin: Aurum). It has the best polishing properties and is extremely shapeable. Around 85 percent of the gold extracted is used to produce jewellery - making jewellery processing the most important use. In addition, gold is also ideally suited as an investment purpose: because it is inflation-proof and is therefore also bought by central banks as protection against a currency crisis.
Gold bars
Gold and other metals are melted in bars. On a gold bar, the manufacturer's seal is engraved, which represents the fineness and bar number. Gold bars are made in different sizes. In the case of gold bars, the fineness (purity) is at least 999. A 999 standard bar of gold weighs 12.44 kg; However, they are sold almost only in much smaller sizes due to prices.
Investors can buy today's gold bars (in flat form) in various weight levels. Most often, the weight levels 1g, 5g, 10g, 20g, 100g are produced and sold.
The bars are produced by various embossing and divorcing institutions.
Gold weight: The specific weight of gold is 19.32 g/cm ³, the atomic weight is 196.967 u. The melting point is 1063 degrees Celsius, the boiling point is 2960 degrees Celsius. A fine ounce of gold equals 31.1035 grams. The fine ounce speaks of a maximum proportion of one hundred percent gold. The "purity" we also call "fineness." The fineness indicates the proportion of pure gold in relation to the total weight. Another common name for this is the indication in carat. The indication in carat for gold is not to be yellowed with the carat designation of gemstones in which carat is subject to a weight indication (1 carat = 0.2 grams).
Drawing gold silver copper cadmium
Grey gold 750 250
Green gold 750 166 84
Red Gold 750 250
Pink gold 750 200 50
Yellow gold 750 125 125
White gold 750 150 100
Diamond Invest
Why diamonds as an investment? Diamond is the hardest material in the world, ideal for the industry. Diamonds are beautiful. Diamonds are old. That makes diamonds so fascinating. Real diamonds have an age of several 100 million years. According to experts, the oldest specimens are over 4 billion years old. Why are diamonds so valuable?
Because they are coveted, and because they are rare. Although they can be produced artificially today, the difference can be seen by experts. Investors should not invest in synthetic diamonds, but prefer real diamonds.
Hedging assets is the primary purpose of property. Monetary values can be devalued by inflation, issuers of bonds or other financial products can become insolvent, firms can go bankrupt. One expects a value in kind.
This is the case with gold and diamonds. It has always retained its value over the millennia. A total loss is excluded.
Important signs:
Carat Weight: One (1) carat corresponds to exactly 0.2 grams. So a diamond with 10 carats weighs 2 grams.
In contrast, the carat indication for gold is not a weight indication, but denotes the fine proportion of pure gold. 24 carat gold means that 99.99 percent of the weight is gold. It is irrelevant whether it is a kilobarren of gold or a small gold coin.
The value of diamonds increases disproportionately with the size.
A 2-carat diamond is not twice as valuable as a 1-carat diamond, but many times more valuable. This is because large diamonds are even rarer, and thus above average.
Classification: The thing with the "C's"
Cut, Clarity, Colour, Carat - i.e. cut, purity, colour and carat: these are the famous "4 C's," on which diamonds are assessed, and on which money investors should also be oriented. Quite a few experts extend this 4C-Formel by a fifth "C" - the "Certificate."
The certificate is important: investors should pay attention to certificates from renowned companies, such as GIA (Gemological Institute of America). In the case of larger stones, a laser inscription engraved in the diamonds is also common.
The cut is important
Their true value unfolds diamonds only with the right cut. A masterful cut causes the stone to sparkle, awakening the much-acclaimed "fire." There are various types of grinding, such as the brilliant grinding, the drip grinding, the oval grinding or the emerald grinding, to name but a few. Experts assume that a rough diamond can lose up to 50% and more of its weight due to the cut. Nonetheless, rough diamonds are only partially recommended as capital investments, because they have no certificate.
Each stone is individual - and thus also its value determination
There is no general official spot price like gold for diamonds. When selling, the value of each diamond must be determined individually.
After decades of experience, the best has always retained its value. Therefore, we recommend exclusively pure diamonds in the best white colors (D-G) with the world's most prestigious certificate of the Gemological Institute of America (GIA). A "must" are the predicates "Excellent" in all three grinding categories, as well as no "fluorescence." For resale, it is important that only the required sizes are selected (e.g. for single-caretakers 1.01 - 1.03 Carat)
Trading
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Trading is short-term trading in stocks, currencies and other financial instruments. The trader tries to coordinate sales and purchases with the rise and fall of stock market prices in such a way that he makes a profit with every action. The most important variable in this type of trading is the fluctuations in the financial markets, also known as volatility. So trading is only possible because the values are constantly changing.
The most important things in a nutshell: When trading, an investment is not held for long and there is no guarantee of a profit. Trading strategies differ depending on how long the trader holds the financial product.
Position trading spans from a few days to a few months, swing trading spans a few days, and day trading spans a day. Private individuals cannot trade themselves, but must open a securities account with a broker. The broker handles trading on behalf of its clients.
Trading: risks and profit margins
Since trading is about increasing a bankroll, at first glance it looks like one of many investment opportunities. But it is exactly the opposite of long-term investments: Firstly, an investment in trading is usually never held for long and secondly, there is no guarantee of a profit. It is even possible to lose the entire invested capital.
Nevertheless, not only financial experts are interested in this form of trading, but also more and more private individuals. The reason for this is the high profit margins that traders with a good grasp of the market can theoretically exploit. In addition, online brokers nowadays make it possible to take part in daily stock market events from the computer at home. All users need is a stable, fast internet connection and a depot.
The time horizon: an important factor in trading! Trading is not about investing money and holding a position for a long time; so little time elapses between a purchase and a sale. However, there are certainly different trading strategies that differ in terms of the length of time that a financial product will remain on average. For example, any trade that spans a period of time from a few days to a few months is called position trading.
Another trading strategy is swing trading, or movement trading, where expected price fluctuations dictate trading. The time span here can be a few days, but sometimes the swing is completed in one day. In general, all intraday (i.e. within one day) trading is referred to as day trading. This also includes actions in which positions are bought and sold again within a few minutes. Since such transactions are possible from anywhere thanks to online brokers, day trading is one of the most interesting forms of trading.
Risks of Day Trading
Derivatives are the main focus of day trading. These are financial products whose value is derived from another product, the so-called base product. Contracts for difference are very popular but also very risky derivatives
Contracts for Difference, CFD
Contracts for differences offer traders the prospect of large profits in a short period of time, but they also carry the risk of a total loss. Basically, CFDs are a type of bet that brokers and traders make on the price of a stock or other financial product. If the trader is correct in his assessment, he is paid the difference between the value at the time of conclusion and the end of the contract.
BEST INVESTMENT
- Treasury Bills, Notes and Bonds Safety: High Liquidity: High
U.S. Treasury securities are considered to be about the safest investments on earth. That’s because they are backed by the full faith and credit of the U.S. government.
Government bonds offer fixed terms and fixed interest rates. Treasury bills, commonly known as T-bills, have maturities of four, eight, 13, 26 and 52 weeks. Treasury notes come in maturities of two and 10 years. Treasury bonds have maturities of 20 to 30 years.
The market for Treasury bills, notes and bonds is larger and more liquid than any other. That means you won’t have any trouble selling Treasury securities if you need to cash out before they reach their full maturity date.
- Money Market Mutual Funds Safety: High Liquidity: High
Money market mutual funds are highly liquid, ultra-safe mutual funds that are a popular choice for short-term cash management needs. They hold short-term debt securities with high credit quality, such as Treasury bills, commercial paper and certificates of deposit (CDs).
Money market mutual funds feature low costs and very high liquidity, but they also offer lower returns than most other types of mutual funds. When market professionals talk about moving parts of their portfolios “into cash,” they typically mean putting it in money market mutual funds.
As with any mutual fund, money market funds cannot guarantee earnings or savings on principal, but their stringent qualifications help them achieve greater principal preservation than other options.
- Treasury Inflation-Protected Securities (TIPS) Safety: High Liquidity: High
Sold in terms of five, 10 or 30 years, Treasury Inflation-Protected Securities (TIPS) are government bonds that do precisely what their name suggests: Protect your money from the ravages of inflation.
With TIPS, the value of your principal rises or falls over the term of the security, depending on the current rate of CPI inflation. The interest rate on each security is fixed, but since the principal fluctuates in value, your interest payments also rise and fall.
At maturity, if the principal is higher than your original investment, you keep the increased amount. If the principal is equal to or lower than your principal investment, you get the original amount back. TIPS pay interest every six months, based on the adjusted principal.
- High-Yield Savings Accounts Safety: High Liquidity: High
While the options listed above offer unbeatable liquidity, no other safe investment offers the ease of access you get with a high-yield savings account. Deposits of up to $250,000 are insured by the Federal Deposit Insurance Corp., which ensures they are ultra-safe investments.
A high-yield savings account is a type of savings account that typically offers higher interest rates than a traditional savings account. The best high-yield savings accounts are typically offered by online banks and credit unions.
- Series I Savings Bonds Safety: High Liquidity: Low
I bonds are a type of U.S. savings bond that aim to keep pace with rising prices. This means they’re specifically designed to help protect your cash value from inflation.
I bonds won’t ever lose the principal value of your investment, either, and the redemption value of your I bonds won’t decline. Plus, they’re exempt from state and local income taxes, and the interest earned is added to the value of the bond twice a year, making the principal amount that you earn interest on higher every six months.
While I bonds are very safe investments, they aren’t nearly as liquid as the options above. You cannot cash out your I bonds until you’ve held them for one year. To receive all interest due you must own them for at least five years—if you cash out somewhere between one and five years, you’ll forfeit three months worth of interest.
- Certificates of Deposit (CDs) Safety: High Liquidity: Low
Certificates of deposit combine decent interest rates with guaranteed return of your principal, and they also benefit from FDIC insurance on balances up to $250,000.
While these qualities make CDs a very safe investment, they are not considered to be very liquid assets. They offer a range of terms, from three months to ten years, but withdrawing the principal ahead of the maturity date often means paying early withdrawal penalty fees or forgoing interest payments
CDs are best for short-term financial goals when the maturity date matches your time horizon—that is, when you believe you’ll need your cash.
- Investment-Grade Corporate Bonds Safety: Moderate Liquidity: Moderate
Investment-grade corporate bonds are fixed income securities sold by companies to fund their operations. These types of fixed-income securities are highly rated by credit rating agencies, which evaluate the financial health of the issuing companies. Investment grade means the companies are very likely to pay you interest and return your principal.
Since companies can and do go bankrupt, corporate bonds are less safe than the options listed above. But unlike stocks, companies are still required to make timely payments to bondholders.
If companies run into trouble, they could face credit rating downgrades, which could possibly make their bonds no longer investment grade. In exchange for these higher risks, potential returns are better than the options above. And the market for investment-grade corporate bonds is considered to be very liquid.
Which Safe Investments Do You Need?
No investment is completely safe from risk. To decide what’s best for you, think about how much risk you are willing to tolerate and how much liquidity you require.
If stability is your ultimate goal, any of the above options will allow you to invest in a way that almost guarantees you come out at the end with at least a bit more money than you started.
according forbes advisor 2023