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Investment management refers to the process of managing money being used for investments. Investment profiles are managed through sound decisions about security purchases and sales. Investment management advisors provide investment management services including money management, investment projections, investment counseling, and investment management planning. Investment management advisors may work as individual entities or may be a part of investment management firms. Those who work for reputable investment management firms are preferred over solo agents because of their credibility and reputation. These agents are usually college degree holders who have gained bachelor degrees in business and also have relevant investment management experience tucked in their belts.

There are two types of investment management advisors, those who offer direct financial advice to individuals or businesses and those who offer asset management for corporate clients. The services offered by investment management advisors are not given for free. The usual rate charged by these advisors varies depending on the project, the monetary investment involved, or the current standing of whom they advise. They also charge higher fees to corporate accounts than they do to individuals because of the sheer complexity of the tasks when catering to larger companies. Their fees may be calculated percentages of the assets gained, annual fees, or even hourly rates.

Investment management advisors are monitored by government run agencies and private investment management associations to ensure the quality of their services. The certifications issued by government agencies and private associations protect investment management advisors and their clients alike. They are subject to laws and regulations governing money management and must meet strict requirements prior to certification and registry as qualified investment management advisors. They work assuring client confidentiality and provide complete disclosure of all investment deals. Most, if not all investment management advisors are also licensed stockbrokers to enable them to carry out investor authorized sales and purchasers.

By: Thomas Morva

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Debt management is not a particularly pleasant way to spend an evening. It is rather like taking stepping into an ice bath: everybody hates doing it but the feeling you get afterward is fantastic! Debt and credit management is a necessary part of family life and something we should all teach our children, especially as global credit difficulties have reached an all time high and its repercussions are predicted to reach far into the next three decades.

In an ideal world, everybody would live on the cash they earn without the need to explore credit facilities. Real life, however, inflicts upon us a desire to own certain luxury items that seem a good idea at the time, like a new sofa or a new car or even more basic things like a loan to pay for college tuition.

There is nothing out of the ordinary in taking credit to pay for something. The difficulty arises when too many items are being purchased on credit and there is not enough income to match outgoings.

Sensible spending is the way to avoid credit problems but sometimes ordinary people find themselves trapped in debt through no fault of their own, or they miscalculated their ability to cope with payments. We all make mistakes.

Younger families are more likely to fall into debt for obvious reasons. They have a necessity to move around, either for educational or professional reasons; they require accommodation, a car, finance for medical bills, vet’s bills, school uniforms for the kids and a mountain of other commitments older folk either already own or have no interest in. These are the more vulnerable groups who might fall into debt more easily.

For people who lead a busy life, taking stock of spending is the last thing they wish to be bothered with but ignoring an escalating debt can be disastrous, leading to insolvency and eventual bankruptcy if dramatic interventions are not made at the right time.

Proper assessment is of extreme importance when trying to consolidate debt. Self assessment is a very good idea, assuming you are expert at unraveling the ocean of accounting jargon contained within financial contracts. No? I thought not. At these times it is a better idea to consult the services of a professional debt management team with all the experience of years of credit management at their fingertips.

Consulting a debt management company need not be unpleasant. In fact it can be a lively and enriching interview where many things are learned by the client, who usually emerges feeling refreshed and assured, having finally put the issue of debt where it belongs – with the experts.

By: Mike Nathan J. Marvin

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Investment is any activity which can help to increase the future value of an asset which could be either liquid or fixed asset.

Investment is anything being an asset held to have some recurring or capital gains. It is an asset that is expected to give returns without any work on the asset per se.

The investment decision is a fundamental decision. The investor must determine the investment value of the assets that he has within his control or possession. These assets may be physical (such as buildings or machinery), intangible (such as patents, software, goodwill), or financial marketable securities such as company stocks (an equity investment) or bonds (a debt investment) or other short term instruments. Most times the goal of the investment is for producing future value. Assets are used to produce streams of revenue that often are associated with particular costs or outflows.

Investments are often made indirectly through intermediaries, such as banks, mutual funds, pension funds, insurance companies, collective investment schemes and investment clubs.

Though their legal and procedural details differ, an intermediary generally makes an investment using money from many individuals, each of whom receives a claim on the intermediary.

Types of Investment

Investment can be categorised into two major types.

Short term investments which as the name implies are for short periods of time. Usually periods ranging from 1 month to 3 years.

Long term investments on the other hand includes investments which cover longer period. Can be between 5 years to 25 years or more. Your choice of the type of investment depends on your risk outlook.

By: Catherine Adeyemi

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With times being hard these days, investment banking is a good way to invest money and still feel secure. In this type of banking, an individual or a company or the government seeks the assistance and guidance of an investment bank to buy or sell securities. It is the investment banks that address concerns on mergers of companies or acquisition of new properties. They are also the experts in providing comprehensive advice to clients to manage their capital and investments. They also help in risk management and assessment.

To be able to serve their clients well, periodically, investment banking conferences are held to keep the clients up-to-date with what measures the banks are doing to protect the investments and at the same time how these investments are faring in the ever-changing world of business and finance. These conferences are also designed to build a holistic relationship between the clients and the banks to be able to identify the needs and the responsibilities of the clients as well as the corresponding responsibilities of the banks.

These investment banking conferences are also done to provide a way for various investment banks to help one another and share their expertise in different fields to help augment the status of this type of banking and, at the same time, find timely solutions to current problems targeting the banking community.

The whole world is experiencing an alarming economic crisis. Because this global crisis interconnects, various finance institutions are at a great risk. Therefore, the investment banking conference aims to address common issues such as credit markets affecting the economy, corporate environments being affected by constant changes, and investment banks that need to be kept abreast with the fast events.

For an investment banking conference to be effective, it has to accept the fact that banks could not stand by themselves. Therefore, client issues should be addressed, and experts on various industrial fields should be allowed to share the practical knowledge that they have learned. Also, the usefulness and timeliness of academic research being done by renowned business researchers should not be overlooked. Current issues will help understand and solve current problems, and current trends will be useful to predict the future of the financial world.

A good investment banking conference will allow all concerned sectors to interact with one another and provide inputs to benefit all. The professional inputs of industry experts along with the intellectual inputs from the academic researchers can solve a lot of issues that may have been difficult for just one team to solve.

Because important decision-making issues will be discussed, investment banking conferences usually cater to CEOs and other top executives. The presenters from various fields of industrial or academic expertise are also renowned in their own right and at par with the CEOs in attendance. These conferences therefore strengthen the networks that the financial market holds over global issues and events.

During this difficult time of world crisis and poverty, the general banking clients can still sit peacefully and trust that the investment banks will do their best in finding solutions to solve current issues.

By: John Janson

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Investment

When you are looking at properties it is often hard to decide what to look for. Establishing your own set of criteria is the best bet. No worries, its not set in stone. You can adjust them however you need as you learn more. But to determine if it is good or not you have to also know whats bad. You can do this by comparing to other ones that are bad.

When my wife and I were looking for our first house we had the following criteria:
It must have a suite for rental income Separate laundries (a demand from the wife) Enough available parking Suitable interior in both living spaces

From this you can see a few things that were important to us. The financial return and suitable appeal to renters and ourselves.

Since then I have learned so much more about rental houses I am embarrassed at how much I did not know at the time. This will probably be even more true in another year.

Comparing Financials

This is the biggest thing I have learned to compare houses. You can look at a hundred houses without ever leaving your computer and doing a comparison of the financials on them. Create your own spreadsheet (or use mine in the full article) to punch in the numbers for each house you look at and see what type of returns you are looking at. There are two main components to house analysis. What will the cash flow be and what is the overall return.

Cash Flow

This is what cash will be coming in and out of your pocket every month. Rent cheques are the income and then your expenses are mortgage, insurance, utilities, maintenance costs, and any other services you provide.

It is important that you have decent cash flow. If it is negative by a lot, that means you will be paying out of your own pocket every month and this will be hard to sustain. Slight negative and even positive (you are making money) is a good sign.

Overall Return

This is composed of the cash flow, but also takes into account the appreciation/depreciation of the house value and the fact that part of your mortgage payment actually goes to the principle amount on the house (money you are actually retaining).

Positive return is a must otherwise you are wasting your time. You also want it to be reasonably high for the risk you are taking. Anything less than what you can get from the bank or other secure investments is too much risk for not enough reward.

Simple Analysis

This is a quick litmus test for any property you look at. Basically it takes into account the following:
Mortgage (expected interest rate and house value) Rental Income Expected House Appreciation Expected Maintenance Costs (1% of the house value) Taxes

You need to combine these values, adding income and subtracting expenses. It will give you a quick look at what kind of return you will be looking at.

There is a spreadsheet the can be downloaded from the full article How To Analyze an Investment Property.

By: Neil Galloway

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Ever since man has been earning money, he has been looking to invest his hard earned money in the right and most profitable channels. Investments have been on the minds of people since we can remember. Formidable investment options have competed with each other with shares, bonds and property leading the show. Of the three, property has always held the upper hand when it comes to a safe and sound investment option. Yet, despite all its risks, shares continue to find its own league of followers. If you are a new entrant into the investment market, you need to have a deep understanding of all the investment options in order to invest rightly. The smart investor is the one who spots the best investment option miles away.

Measuring returns:-

There are several ways to measure the returns that you get from an investment. One is to measure the net income and the other is to measure the change in the value of the asset. And of course you have to keep the risk factor in mind. In more recent times, the definition or the way by which you measure the returns has undergone a change. Returns is now defined as the percentage net income over a period divided by the value of the property or the net yield, and the percentage change in value over an equal or the same period of time. For example a property with a total yield of 15% and an increase in the value of 5% gives a total return of 20%. At the same time, the risk is defined as the volatility or the deviation over the same period of time.

Why Property?

In the US, shares were declared as the riskiest investment option in the last few years according to a survey. But they also gave the highest returns. The lowest returns were given by bonds and the risk was the minimum as well. While property fared in between the two. So wouldn’t you like to invest in a channel that does not have as much risk and at the same time, delivers a standard percentage of returns? A lot of investors look to invest a part of their income in each of the above mentioned assets. This is a smart investment policy because even if a bad situation were to arise, each one of the assets would react differently to it. Not all of them would go through a decline at the same time. The co relation of property with equities is quite less. Hence even if equities fall, it is not necessary that property will follow suit.

Sub classes within the same:-

Even within property there are two distinct sub classes. One is listed property and the other is directly held property. Of the two the later is the more stable option and also has less risks involved. So if you too are confused by the greatest investment debate of all times, then be rest assured that property definitely holds the upper hand. A two fold income source, least risks involved and an ever growing demand are what fuel’s the property market ahead. So what are you waiting for?

By: William King

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