My Good Investments

One of the most commonly question asked by investors is “what is the best way to invest money?” The answer to this question is simple. To make the best investment possible you will need to research your options, know what risks are involved, look for opportunities that are right for the amount of investment capital that you have, and find an investment opportunity that will provide you with the largest return for the smallest degree of risk.

Investment opportunities come in all shapes and sizes, and business investment opportunities are one option that is available. This type of investment can involve either investing in other people’s companies or investing money in the start up of your own business. If you want to invest in other people’s companies then you can invest via stock equities, venture capital investment opportunities, and regular stock market investments. On the other hand if you want to invest in the start up of your own company then you can use your investment capital to buy a franchise or to establish a unique company based on your own business concept.

Another investment opportunity that you may be interested in is real estate investments. Real estate is a hot investment product in all most every market in the United States. If you want to use your investment capital for real estate then you can invest in rental properties, commercial properties, develop land, or flip homes. You can even buy a home, live in it as your primary dwelling for at least two years out of the five year prior to selling the home, and sell it for a profit without having to pay capital gains tax on profits under $250,000 if you are single or $500,000 if you are married.

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Broadly speaking, investment depends on the marginal efficiency of investment and the rate of interest. What induces individuals to undertake investments? Obviously, profit expectations seem to exercise a major influence on the investment decisions of individuals, and these profit expectations in turn are influenced by the current and the expected level of economic activity, changes in technique and so forth.

Suppose a man borrows money to invest. He will have to pay interest on the loan. But he expects profit from this investment. He must compare the rate of interest he has to pay to the rate of profit that he expects to obtain. Obviously, the rate of return or profit must at least be equal to the rate of interest; otherwise no investment will be made. So long as the expected rate of profit exceeds the rate of interest, investments will continue to be made. The yield expected from a new unit of capital is called the marginal efficiency of capital. This marginal efficiency of capital must never fall below the current rate of interest, if investment is to be worthwhile.

The rate of interest does not quickly change. Hence, the inducement to invest, by and large, depends on the marginal efficiency of capital. If the business expectations are good or if the marginal efficiency of capital is high, more investments will be made in spite of high rates of interest. On the contrary, a depression, or bleak prospects of profits, will discourage investment, even if the prevailing rate of interest is low. Thus, fluctuations in investment are mainly due to the fluctuations in the marginal efficiency of capital. There are some other factors that affect investment. For instance, if a firm has excess capacity and can easily handle increased future demand, it will not go in for further investment to increase its capital equipment.

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Return on investment is a performance measure that can be used to compare several investments. ROI is calculated as net income of an investment divided by the cost of the investment.

ROI = Net income / Investment cost

where

Net Income = Income from the investment - Investment cost

ROI is usually noted as percentage, meaning that 10% of gives us 10 cents per each dollar of investment. If you would like to have ROI as percentage then you should calculate it as:

ROI = (Net income / Investment cost ) x 100.

For example if Net income is 1,200$ and Investment cost is 10,000$, then ROI is 1,200/10,000 = 0.12 or stated as percentage ROI is 12%.

If ROI is negative then the investment should not be considered because the investment is a loss. If ROI is positive then investment is profitable. Higher ROI is better than lower ROI. A project with the highest ROI will have the highest profit rate.

Other measures than money can be used to measure the cost and the income. That is the reason that ROI is very flexible and can be manipulated. Therefore, it is necessary to know how the ROI is calculated, i.e. what are the costs and what are the income? For example, the Accounting ROI is equal to the net income divided by the total assets. ROI works just fine if income and outcome can be easily identified.

ROI can be also used with not so precise definition of income and outcome. One could consider customer satisfaction, accuracy, average shopping chart or something else. For example one could calculate ROI for Customer satisfaction (where CS is short for Customer Satisfaction) like this:

ROI = Change in customer satisfaction / Investment cost

where

Change in customer satisfaction = CS after investment - CS before investment.

What should you do with ROI? First of all, if you have only one investment ROI could only show if your investment is profitable (ROI > 0). If you have several investments and you consider terminating one, probably you should terminate the one with the smallest ROI. Also, if you have several investment opportunities, you should choose the one with the highest ROI. Of course you should consider other factors involved, such as risk, necessary minimum amount for investing, your portfolio…

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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.

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Spending over $1 million dollars during a 12 month period is quite an investment for any company or organization. The government of Queensland is planning to spend over $1 million over a 12 month period to boost business through direct investment.

The campaign which the Queensland government has begun includes several TV, Radio, Newspaper, and internet campaigns – which are being managed by a local company called Virgin Blue. The organization has stated that they would like to see more direct domestic and foreign investment. These types of investment strategies are important to any corporation. Australia contains several large businesses that have their headquarters in Sydney and Melbourne cities, which have a large amount of foreign and domestic businesses. Attracting investment in a foreign business and domestic business is very difficult; however the Queensland Government plans to spawn their investment capital into local business –which does need the infusion of business.

Investing in Australia has created a large boom in investment, through this $1 million dollar investment. Over the next 12 months, this investment is sure to pay off- showing us the importance in direct investment by a local organization or government. By partnering with a large organization or government, a company can easily shoot past the point of needing only venture capitalists.

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The first step towards financial independence is setting investment goals. The process of setting goals should start by identifying what type of investments you are interested in. For example, do you want to generate income that you can use right now, do you want to invest your money for your retirement, or do you want to make investments that will improve your net worth?

After you have set your investment goals your next step will be to identify investment products that will help you reach your investment goals. To do this you can use investment research tools like calculators, case studies, tables and lists. You can find these tools online.

As you investigate investment products you will want to start selecting investments that you are interested in. When you have four or five investment products that you are interested in you can start researching these products. To investigate these products you can review their performance history, you can talk to the company that offers the product, and you can read through the product’s promotional material.

The final step in setting investment goals is to talk to an investment professional. They will be able to tell you what investment products are best for achieving your investment goals. They will also be able to tell you how viable the investment products you have selected are. Before you visit with your financial professional make sure that you create a list of investment goals that you have, as well as a list of questions that you have about the investment products that you have researched.

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1. First of all, you need to get good sound advice from real estate (land) investment practitioners on where (which country?) and when to invest.

2. Understand the risks involved in the real estate (land) investment.

3. Next, look around for a reputed and good real estate (land) operator and manager to manage your real estate (land) investment.

4. Do the operator and manager of the real estate (land) investment have a solid and consistent track record of yielding good returns for investors?

5. Are their investment returns audited by a third party reputed auditor company?

6. Inquire about the Returns of Investment (ROI) and the length of the investment.

7. By applying the Rule of 72 invented by Albert Einstein to determine if the compounded returns per annum for the length of the investment is reasonable

8. Examine the current projects available and ask their sales staff how long before the projects are all filled by investors.

9. Be aware of the amount of tax needed to be filed for the returns to determine your net profit.

10. Does this investment offer you any protection like for example land title insurance or capital protection?

11. Overall, does this investment meet your mid to long term financial objective?

ABOUT THE AUTHOR: Raymond Heng specializes in software development, software testing and software safety. He also writes articles on various topics of interest, especially the 10 steps series to solving certain problems and book reviews on favourite authors. For more entertaining information please visit: http://web.singnet.com.sg/~raindeer/. You can also visit his other web site “Express Learner” which brings you information and resources to help you in building your multiple streams of income to financial freedom.

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