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Risk in investments is an everyday problem to both investors and non investors. About three quarters of the people in the world are afraid to invest due to the different levels of risk and uncertainties attached to it while the remaining quarter actually takes the risk inspite of their fears. Whether rich or poor, “Lily livered” or strong minded; people are always looking for a means to lower risk but still make high profit by finding and making low risk high yield investments. Some...
Are you a risk taker or a safe player? In the game of investments, you might find yourself hitting jackpots or falling into pitfalls. Often investors invest with the intent to generate maximum wealth for their invested capital. With this mindset, they overlook the risks involved in the investment. Even though mutual funds are excellent all-around investment tools, they are not immune to risk factors. If your investment is not proportional to the amount of risk involved, then this might be doing...
Are you a risk taker or a safe player? In the game of investments, you might find yourself hitting jackpots or falling into pitfalls. Often investors invest with the intent to generate maximum wealth for their invested capital. With this mindset, they overlook the risks involved in the investment. Even though mutual funds are excellent all-around investment tools, they are not immune to risk factors. If your investment is not proportional to the amount of risk involved, then this might be doing...
 Risk in a traditional sense has to do with the possibility that the realised returns will eventually be less than expected returns. Such a disappointment has it source from the failure of interests or the security’s price so as to materialise as expected. All forces that eventually contribute to the variation in return price constitute the elements of risks. Some of these elements are external to the firm itself and cannot be controlled thereby affecting large number of securities....
RISK MANAGEMENT IN BANKS   Risk management as a whole is the process of analyzing, recognizing and taking or mitigation of uncertainty as a result of an investment decision. Once investment objectives have been set and the level of risk tolerance set there is need for the investor or the fund manager to carryout analyses so as to the degree of exposure the business is towards lost and set up appropriate actions to stop or reduce the level of risk. It has been shown by the recession that...
Value investing has an appealing logic to many investors. The idea is simple. Value investing generally involves searching for stocks trading at discounts to their fair value. These stocks can be bought and held until they trade at or above their fair value.These ideas were first put forth by Benjamin Graham, a business school professor who counted Warren Buffett among his students. Graham is widely considered to be the father of value investing and he wrote widely on the topic. His work...
This is a form of risk mitigation or management whereby an entity (insured or an individual or company or government) undertakes to safeguard against future financial losses. It is a form of proactive measure to redirect lost to an entirely different entity (insurer or insurance company or government). Any risk that can be measure and quantify in financial terms can be insured. This involves the insured assuming a guaranteed and known small loss in the form of fee to the insurer in exchange...
Sometimes, investment ideas can come from monitoring trends. This week,we noticed a new trend appears to be at work. Combining this with someother long term trends in the market results in a short list of stocks that couldbe among the market’s biggest winners in the short run, and the best option ofinvesting in stocks.One of the long term trends in the stock market is the increasing importanceof global economic diversification. This can be applied to stock selection byanalyzing a...
Financial planning is the most crucial process of every individual’s life, you are no different. Proper and efficient financial planning leads to a secure financial future, helping you build a good retirement corpus. Financial planning generally refers to a comprehensive evaluation of your current and future financial position, which is crucial for you as an investor. It helps you in predicting future cash flows, investment asset values, and retirement corpus withdrawal plans. Strong...
There is a lot of emphasis put on financial services that help companies and businesses in the form of investment banking. This is due to the high profit that most of these financial services bring. To this effect, all companies want to do something to increase their portfolios and get better capitals as well. Capital can be increased in the form of bonds, stock transfer etc. but the biggest contribution to increase capital is made through investments. Companies mostly get good investment...
At one point or the other, every man or woman who is serious about making financial progress thinks of investment possibilities and the factors to consider before investing. It is one of the most important things a person can actually do with their money. Now more than ever, we have lots of people thinking of and even making investments in different areas of the economy. The truth is, for most people, the money required to make an investment is not the problem. The real problem is deciding what...
How cool is it to put your money into something which you can watch grow and bring returns on the investment. Everyone who has the heart for business or entrepreneurship is either involved in investments or wondering what and how to invest the little they have. For others, who may not really like the idea of investing, it is a matter of diversifying their income choices. And what better way to do that than to make investments? There is a limit to the number of jobs you can have and hold in...
Investment scams are fraudulent business schemes perpetrated by persons so as to take advantage of others hoping to be potential investors. Most of the investments scams perpetrated nowadays are internet based mainly due to the fact that the internet is an open source of information sharing and cannot be regulated or governed. The internet is good at optimising illusions during an investment scam i.e. a well-designed elegant website can project any company as legit, grand and respectable. Many...
The concept of banking is very fundamental and its importance cannot be over-emphasized. Banking has been all the way right down memory lane. It was as a result of the concept of banking that the crude system of trade by barter was eradicated and substituted by money that became a legal tender; that is something acceptable as a medium of exchange and for the settling of debt. The resultant outcome of this was the creation of money after several evolutions, from the use of gold and precious...
The introduction of the internet into the business world was surely a great innovation for investors as they can now easily research different types of investment opportunities around the world and trade securities. As a result of the internet not having regulations, fraudsters have found a place where they easily deceive people who intend to make their money work for them by investing. Usually it begins by a phone call or an email presenting you a business opportunity one can only dream of, as...


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