Safe Investment Options In India Treasury Bills (tb)

What exactly are Treasury Bills?

Treasury bills are promissory notes issued by the central government for a fixed period extending upto one year as a tool for raising short term funds from the equity trading market. They are usually issued for a discount for a maturity period of 91/182/364 days. TBs are an ideal form of short term investment for banks and financial institutions as they are eligible as securities for SLR (Statutory Liquidity Ratio) purpose. They can be purchased by any person resident in India including individuals, firms, companies, corporate bodies, banks and financial institutions.

These Bills usually do not carry any interest rate and are issued by the government at discounted value. This means that a ‘500 bill may be issued at a discount to investors for a price of ‘410. After the maturity date is over, the government will pay ‘500 to the holder of the bill. The difference between the par value at which the bills are redeemed and the face value at which the T-Bill was procured is the net gain to the investor.

Role in the Money Market:

1) A fiscal role as an instrument for raising funds for governments short term needs.

2) A monetary role as an instrument with RBI to influence liquidity in the equity trading market.

These T-Bills are issued by RBI at regular intervals and issued at a discount to face value. They very effectively serve as effective short-term borrowing instruments for the Government. Even investors benefit from the same as they can park their surplus funds in these instruments and considerably reduce their market risk.

FEATURES:

1) One can purchase these shares for a minimum face value of ‘1 lac and there is no fixed ceiling on the maximum amount of treasury bills that can be purchased from the money market. The rate of interest is determined by market, based on demand for and supply of funds in the money market. Moreover these treasury bills are highly liquid instruments giving offering attractive yields to investors

2) Treasury Bills as an asset class have been approved for SLR (Statutory Liquidity Ratio) purposes and DFHI (Discount and Finance House of India) is the stock market leader in such instruments. The bills are the only security in which the repurchase option (Repo) or ready forward transaction are permitted. This is the most important instrument for hedging against volatility in call loan market.

So after analyzing these points, you can yourself see that TBs are all time favorite for those who want to play big in stock market. Since the minimum investment amount is ‘ 1 Lac therefore, it becomes a niche investment option too. But even big players sometimes loose in stock market, therefore its the perfect investment option for them too.

OIL RICHES High Yield Investment Program

I would like to give a review on the best online Investment Company, OIL RICHES. It is a very reliable company that created a High Yield Investment Program (HYIP) which gives you 100% assurance safety on your investment. Its profit rate depends on the amount you invest – the bigger you invest, the bigger your profit rate will be (profit rate ranges from 4%-2700%). It is an investment program I have also being investing my resources into all along and has being delivering as promised which is more reason why I can give you 100% guarantee on the programme. About OIL RICHES OIL RICHES is a legit registered Canada based Investment company – Fellowship Investments. It invest in real oil and gas capital market, it’s a very good opportunity, with a 7 years of experience – It opened its online investment platfrom on the 25th February 2013 (Its Canada Company Licence Number is CA54219002 )

Check on the internet for its domain registrar here: http://whois.domaintools.com/oil-riches.comRegistrant Contact: Fellowship Investments Keith Hunt 1498 Eglinton Avenue Toronto ON M4P1A6 Canada.

OIL RICHES is a fully guaranteed investment because it has a contract with a big word know Insurance company for possible loss. 5 Reasons why OIL RICHES investment program is more preferable to other investment programs. 1. It works 7/7. This means it operations cover from Monday to Sunday. This is very interesting in the sense that OIL RICHES pays you profit on weekend days too. 2. Unlike many other investment programs, OIL RICHES pays you your capital+the profit you have made immediately your investment days expires. Thereby, if you so wish, you can immediately withdraw your money (capital+profit) or re-invest for another period and get higher profit. 3. It has a perfect relationship with all its investors. You can easily make complains or tell them about any difficulties you are passing through with your account and 100% response is guarantee from their admin mails. Many other investment programs won’t continue to do this immediately they discover you have deposited your money with them. 4. Unlike many other investment companies, OIL RICHES have bigger investors from Russia, Indonesia, Nigeria and Saudi countries – these members invested private (not via website) millions of dollars in their programs – that means enough money is guaranteed to pay all their smaller investors. 5. Unlike many other HYIPs, OIL RICHES disclosed its 1st year plan which covers at least 1 year uninterrupted operation (From 25th February 2013- 25th February 2014), after which its committee will decided if to continue the programme for another year or not. WAO!!! No investment programme will ever disclose such secret to you.

FRANCIS HAASTRUP Director, i-Link Technological Services, Nigeria. For more info and assistance on OIL RICHES investment and others, visit: http://hyip2trust.blogspot.com , contact me on +2348074521866 or mail

Korea Investment Holdings Co., Ltd. – Financial And Strategic Swot Analysis Review

May, 21, 2014 : Company Profiles and Conferences presents a Company Report on “Korea Investment Holdings Co., Ltd. – Financial and Strategic SWOT Analysis Review”, who helps you formulate strategies that augment your business by enabling you to understand your partners, customers and competitors better.

Summary

Korea Investment Holdings Co., Ltd. (Korea Investment) is a financial holding company based in Korea. The company operates in the areas of investment banking, asset management, venture/PEF investment, and mutual saving bank. It provides investment finance solutions in South Korea. Korea Investment offers securities brokerage, asset management, investment banking and principal investment, and trust management services. The company provides financial investment and management consultation for small and midsize entrepreneurs; and manages alternative investment-specialized hedge funds. Korea Investment operates with 128 branch offices domestically and 11 overseas network. It has seven subsidiaries with 12 affiliated companies. Korea Investment is headquartered in Seoul, Korea.

This comprehensive SWOT profile of Korea Investment Holdings Co., Ltd. provides you an in-depth strategic analysis of the companys businesses and operations. The profile is bring to you a clear and an unbiased view of the companys key strengths and weaknesses and the potential opportunities and threats. The profile helps you formulate strategies that augment your business by enabling you to understand your partners, customers and competitors better.

This company report forms is the part of Profile on Demand service, covering over 50,000 of the worlds leading companies. Once purchased the highly qualified team of company analysts will comprehensively research and author a full financial and strategic analysis of Korea Investment Holdings Co., Ltd. including a detailed SWOT analysis, and deliver this direct to you in pdf format within two business days. (excluding weekends).

The profile contains critical company information including,

– Business description A detailed description of the companys operations and business divisions.
– Corporate strategy Analysts summarization of the companys business strategy.
– SWOT Analysis A detailed analysis of the companys strengths, weakness, opportunities and threats.
– Company history Progression of key events associated with the company.
– Major products and services A list of major products, services and brands of the company.
– Key competitors A list of key competitors to the company.
– Key employees A list of the key executives of the company.
– Executive biographies A brief summary of the executives employment history.
– Key operational heads A list of personnel heading key departments/functions.
– Important locations and subsidiaries A list and contact details of key locations and subsidiaries of the company.

Understanding the most important investment concepts

It’s always good to have at least a basic foundation of fundamental investment knowledge whether you’re a beginner to investing or working with a professional financial advisor. The reason is simple: You are likely to be more comfortable in investing your money if you understand the lingo and basic principles of investing. Combining the basics with what you want to get out of your investment strategy, you will be empowered to make financial decisions yourself more confidently and also be more engaged and interactive with your financial advisor.

Below are a few basic principles that you should be able to understand and apply when you are looking to potentially invest your money or evaluate an investment opportunity. You’ll find that the most important points pertaining to investing are quite logical and require just good common sense. The first step is to make the decision to start investing. If you’ve never invested your money, you’re probably not comfortable with make any investment decisions or moves in the market because you have little or no experience. It’s always difficult to find somewhere to begin. Even if you find a trusted financial advisor, it is still worth your time to educate yourself, so you can participate in the process of investing your money and so that you may be able to ask good questions. The more you understand the reasons behind the advice you’re getting, the more comfortable you will be with the direction you’ve chosen.

Don’t be intimidated by the financial lingo
If you turn on the tv to some financial network, don’t worry that you can’t understand the financial professionals right away. A lot of what they say can actually boil down to simple financial concepts. Make sure you ask your financial advisor the questions that concern you so you become more comfortable when investing.

IRAs are containers to hold investments-they aren’t investments themselves
The first area of confusions that most new investors get confused about is around their retirement vehicles and plans that they may have. If an investor has an individual retirement accounts (IRA), a 401(k) plan from work, or any other retirement-type plan at work, you should understand the differences between all the accounts you have and the actual investments you have within those accounts. Your IRA or 401(k) is just a container that houses your investments that brings with it some tax-advantages.

Understand stocks and bonds
Almost every portfolio contains these kinds of asset classes.

If you buy a stock in a company, you are buying a share of the company’s earnings. You become a shareholder and an owner at the same time of the company. This simply means that you have equity in the company and the company’s future – ready to go up and down with the company’s ups and downs. If the company is doing well, then your shares will be doing well and increase in value. If the company is not doing well or fails, then you can lose value in your investment.

If you buy bonds, you become a creditor of the company. You are simply lending money to the company. So you don’t become a shareholder or owner of the company/bond-issuer. If the company fails, then you will lose the amount of your loan to the company. However, the risk of losing your investment to bondholder is less then the risk to owners/shareholders. The reasoning behind this is that to stay in business and have access to funds to finance future expansion or growth, the company must have a good credit rating. Furthermore, the law protects a company’s bondholders over its shareholders if the company goes bankrupt.

Stocks are considered to be equity investments, because they give the investor an equity stake in the company, while bonds are referred to as fixed-income investments or debt instruments. A mutual fund, for instance, can invest in any number or combination of stocks and bonds.

Don’t put all your eggs in one basket
An important investment principle of all is not to invest all or most of your money into one investment.

Include multiple and varying types of investments in your portfolio. There are many asset classes such as stocks, bonds, precious metals, commodities, art, real estate, and so on. Cash, in fact, is also an asset class. It includes currency, cash alternatives, and money-market instruments. Individual asset classes are also broken down into more precise investments such as small company stocks, large company stocks, or bonds issued by municipalities, or bonds issued by the U.S. Treasury.

The various asset classes go up and down at different times and at different speeds. The purpose of a diversified portfolio is to mitigate the ups and downs by smoothing out the volatility in a portfolio. If some investments are losing value at some particular period, others will be increasing in value at the same time. So the overarching objective is to make sure that the gainers offset the losers, which may minimize the impact of overall losses in your portfolio from any single investment. The goal that you will have with your financial advisor is to help find the right balance between the asset classes in your portfolio given your investment objectives, risk tolerance, and investment time horizon. This process is commonly referred to as asset allocation.

As mentioned earlier, each asset class can be internally diversified further with investment options within that class. For example, if you decide to invest in a financial company, but are worried that you may lose your money by putting everything into one single company, consider making investments into other companies ( Company A, Company B, and Company C) rather than putting all your eggs in one basket. Even though diversification alone doesn’t guarantee that you will make a profit or ensure that you won’t lose value in your portfolio, it can still help you manage the amount of risk you are taking or are willing to take.

Recognize the tradeoff between an investment’s risk and return
Risk is generally looked at as the possibility of losing money from your investments. Return is looked at as the reward you receive for making the investment. Returns can be found by measuring the increase in value of your investment from your original investment principal.

There is a relationship between risk and reward in finance. If you have a low risk-tolerance, then you will take on less risk when investing, which will result in a lower possible return at any given time, relatively. The highest risk investment will offer the chance to make high returns.

Between the taking on the highest risk and the lowest risk, most investors seek to find the right balance of risk and returns that he/she feels comfortable with. So, if someone advises you to get in on an investment that has a high return and it is risk-free, then it may be too good to be true.

Understand the difference between investing for growth and investing for income
Once you make the decision to invest, you may want to consider whether the objective of your portfolio is have it increase in value by growing overtime, or is it to produce a fixed income stream for you to supplement your current income, or is it maybe a combination of the two?

Based on your decision, you will either target growth oriented investments or income oriented ones. U.S. Treasury bills, for instance, provide a regular income stream for investors through regular interest payments, and the value of your initial principal tends to be more stable and secure as opposed to a bond issued by a new software company. Likewise, an equity investment in a larger company such as an IBM is generally less risky than a new company. Furthermore, IBM may provide dividends every quarter to their investors which can be used as an income stream as well. Typically, newer companies reinvest any income back into the business to make it grow. However, if a new company becomes successful, then the value of your equities in that company may grow at a much higher rate than an established company. This increase is typically referred to as capital appreciation.

Whether you are looking for growth, income, or both, your decision will fully depend on your individual financial and investment objectives and needs. And, each type may play its own part in your portfolio.

Understand the power of compounding on your investment returns
Compounding is an important investment principle. When you reinvest any dividends or other investment returns, you begin to earn returns on your past returns.

Consider a simple example of a plain bank certificate of deposit (CD) that is rolled over to a new CD including its past returns each time it matures. Interest that is earned over the lifetime of the CD becomes part of the next period’s sum on which interest is assessed on. At the beginning, when you initially invest your money compounding may seem like only a little snowball; however, as time goes by, that little snowball gets larger because of interest compounding upon interest. This helps your portfolio grow much faster.

You don’t have to go at it alone
Your Financial Advisor can give you the investment guidance that you need so that you don’t have to stop yourself from investing in the market because you feel like you don’t know enough yet. Knowing the basic financial principles, having good common sense, and having your Financial Advisor guide you along the way can help you start evaluating investment opportunities for your portfolio and help get you closer toward achieving your financial goals.

Buying Cartier Jewelry-the Best Way To Invest Your Money

The gold is precious alloys that has already been the foundation associated with world economic climate when it was in the primitive times. Gold has and will extend in order to maintain up the recognized outline associated with investment and has productively accomplished to grasp investors’ interest. The return of precious metal is actually made welcome through just about all sectors and more importantly; it is a worldwide recognized form of steel. Most of the individuals are discovering this likely to consider precious gemstone as well as gold as a status image. It is regarded as the secure hedge towards cost increases as well as helps in supplying finances within the long term. Investing in gold is actually certainly a good advantageous choice since it’s acquire associated with becoming changed into considerable money. The only thing ought to be kept in mind that whatever you are invested in, such as the gold jewelry, gold coins, diamonds, gold cash. These will not end up being short term foundation. You should wait for a cost to rise and then just market or vice-versa. In addition, the rate of Gold may effortlessly end up being rehabilitated because it’s directly associated to the inventory market which also makes its calculation is easy to make.

Similar holiday to a commodity, the provision and need together constitute the substantial element which helps in order to determine the actual price associated with Gold. Gold apparently is a useful ownership and its need may merely intensify as it has proved to be during periods associated with rising cost of living. Precious gemstone happens to consider enjoyment within several advantages so far as its metallic forms are concerned it’s utilized in jewelry, so if you purchase the cartier jewellery then not it will be fashionable but also it’s the standing symbol. Cartier jewelry too can’t end up being classified to get pleasure from the prospects of monetary benefits. Besides, the investor and also the customer have to take safety precautions in investing because such sort of expense isn’t made upon little scales. After complete study as well as nicely outfitted understanding concerning the actual market info ought to be carried out before purchasing the cartier gold jewelry. In mainstream of instances, gold at all occasions comes with an uphill inclined as well as people tend to reveal a certain bond with it. You need to usually purchase gold when the price reaches immense amplification since it’s widely believed that precious metal could be highly beneficial once the current recession period is over.

Investing in the cartier jewelry, you will find it that it is a potential thing to get the profit. So you are consider to make an investment and dont know what to invest. Then choose the cartier jewelry, it will give you the big surprise.