Month: May 2016

Investment Analyst Jobs

May 30, 2016 Investment

The financial sector has undergone tremendous transformation in the last few decades. Areas like equities, bonds and mutual funds, which were initially restricted to only the more business-oriented individuals, have now become simple and easy to manage. This is partly due to the emergence of well defined financial systems and partly due to the emergence of financial companies and institutions that cater to the needs of every individual. Investment analysts play a vital role in the financial sector through their research work.

Investment Analyst Job Description

The role of an investment analyst has gained greater significance in past few years. Some of the major tasks that form a part of an investment analyst profile are as follows:

1. The most important task of an investment analyst is to conduct extensive research and analysis of the investment portfolios of individuals or companies. Based on this analysis, the analysts create a report that provides solutions or ideas to the fund managers to enhance or diversify the portfolio.

2. They also need to take some key investment decisions based upon the research data.

3. Investment analysts are now an integral part of investment management companies and investment banks where they need to research on large company investment portfolios.

4. Investment analysts must be well-oriented about the financial set-up and procedures along with a good understanding of statistics and economics.

5. As part of their work profile, investment analysts need to work in tandem with either in-house fund managers or stockbrokers.

6. Their job also involves closely monitoring the finances of the company. This includes analyzing account statements and cash flow.

7. They must keep a track of the changing economic trends in the country as well as at the global level and make changes in the investment strategies. Analysts also need to create reports on the prospective investment avenues.

8. Investment analysts have to be in constant touch with the company management and discuss the major points or any concerns with respect to any critical investment modifications.

9. There are investment analysts who specialize in different sectors like retail, infrastructure, energy and banking and financial services.

10. Investment analysts can act the link between clients, attorneys and investment bankers.

Other Responsibilities

Apart from these key tasks, the other duties include working on complex financial models, working on presentations for clients as well as for major conferences, analyzing the legal documents of client companies, regularly research the market trends and compile data.

Key Skills and Salary Structure

To secure a job of an investment analyst, candidates must have sound knowledge of accounting, mathematics, statistics, economics and politics. Also they must have keen business acumen to back their core knowledge areas.

Freshers must ensure that these key skills reflect in their resumes. Candidates must also research maximum sample resumes while preparing the ideal investment analyst resume.

Now-a-days, most investment institutions prefer candidates with a degree in finance, preferably a CFA (Chartered Financial Analyst) to recruit them. It is also important for the candidates to have strong reasoning skills and logical progression of thoughts and ideas to become a good financial analyst.

Usually fresh analysts begin from $30,000 and can reach a maximum limit of $100,000 depending upon the experience of the candidate.

The job of a investment analyst requires specialized knowledge but can be very interesting and challenging.

Return On Investment – True And Versatile Unit Of Finance

May 30, 2016 Investment ,

returnofinvestIf you were to talk to an investment manager or financial specialist, you would be sure to encounter the term ROI (Return on Investment). Return on Investment is part of the common parlance in finance circles which refers to the amount of money made on any investment. Return on investment refers not only to financial but also property investments that would need a suitable rate of return to justify the investment. When there are competing avenues of investment, it makes sense to go ahead with the one which promises the highest rate of return with moderate risk. As far as Charlotte investment property goes, one can look at various kinds of properties to invest in and maximize the potential ROI.

When you invest in a property, you get rental income as the money you realize on the property and in that sense ROI is somewhat different than plain profit.

Looking for suitable Charlotte investment property to invest in is no child’s play. Getting the right kind of property is a long and arduous task because people have specific investment needs and getting something that meets their needs is no always the easiest thing. If the investment conditions are fine then there would be a lot of potential investors vying for the same property. When it comes to buying property, there would be a number of bids for the property with the property being sold to the highest bidder to generate high ROI.

Real estate markets around the world are experiencing challenges related to a property cycle slump. But with these challenges come the opportunities of a lifetime for investors who have clear understanding of finding the proverbial “diamonds in the rough”.

When looking at investing in property, it is always better to have an accountant, a legal practitioner and a financial planner at hand. This is because dealing in property could entail tax as well as legal implications. When looking to buy property, it always make sense to quote a lower price than what they expect to pay, as conversely, sellers try to bid more than what they hope to get.

Return on a secure investment can be determined, but to do so, one must get the big picture and then drill down to the minutest detail. Remember, owning property will usually involve investing a large chunk of money, so best to check everything up front to avoid problems in the future. A simple example of ROI is say we invest 100 dollars in stock and we would be happy with a 15% ROI in the following year we would have $115, meaning the ROI was $15.

If you want to calculate the payback period of the deal, you will have to look at the costs which when divided by the monthly benefits which returns the payback period. ROI calculation also means that you take into account the ROI percentage, payback period and the cost benefit ratio.

Capital gains taxes become lower, if you hold an investment for more than one year. So if you are in the 35% tax bracket, you pay the same percentage tax on an investment, if you hold it less than a year, but if you hold it for more than a year, your capital gains tax is only 15%. Capital recovery horizon is the time that a project will need to generate enough benefits to recover the original investment. This is an often forgot cost in calculating the ROI of Charlotte investment property, so attention to detail must be maintained even until the property is sold.

How to opt for the right investment plan?

May 23, 2016 Investment

investplanEveryone aspires for happy and lavish lifestyle. We constantly strive to make some kind of investment to yield some good returns from the market. This investment can range from equities to debt and stocks to mutual funds etc. However, with the modern day efforts and market analysis, financial experts say one of the best ways to enhance your funds in systematic pattern is through the Investment Insurance Plans. These plans give policyholder the benefits of both the worlds, saving as well as methodical increase in the assets. Whether you want to fulfill your long-term goals or take care of your short- term responsibilities, investment insurances are suitable for both kinds of requirements. Thus, a policyholder is not only getting guaranteed returns but he or she is also suitably covered with insurance while running his or her race to earn sufficient money.
Types of Investment insurance Plans:
Unit Linked Investment Plans (ULIP):
ULIPs are a common type of investment plan where part of investment goes for insurance cover while the remaining portion is invested in various equity and debt schemes. These plans are suitable in fast building a large corpus. These investments are directly related to the performance of markets, because of which they offer comparatively higher but volatile returns. Considered to be flexible and transparent, these plans offer investors with capital guarantees.
Endowment Plan:
Endowment plans are generally for people who donot wish to take financial risks. It presents investor with a life cover but with comparatively lower returns. These plans guarantee returns to the investors, mostly at the time of maturity.
Systematic Investment Plan (SIP):
A popular form of investment, in SIP a person invests in mutual fund schemes. Here the investor can withstand the volatility of an unpredictable market with the help of Net Asset Value (NAV) that defines the units one might own. Try giving post-dated cheques which will easily transfer money from savings account to mutual funds.

‘With Profit’ Plans:
In “With profit” plans the investments are done on a range of assets which in turn provide investors with good returns on their policies; usually in the form of bonuses. These guaranteed bonuses are declared on per annum basis.
Why Investment Insurance Plans?
Investment insurance plans help investors to build a large corpus over the long-term time frame. On maturity, bonuses are offered along with a guaranteed sum. The flexibility of the plans allows choosing a suitable policy period. These plans offer an opportunity to do goal-based savings. Besides, they can be utilized to tax benefits for investors under section 80C and 10(10D) of Income Tax Act. Consumers can also get a loan against such policies. This investment insurance serves as protection for investors and his/her family.
How to choose an Investment plan:
*First review your financial needs, risks taking capacities and the period till which you would like to invest. Decide a final goal and then choose a suitable investment plan
*Try to begin with small amount, which can be increased gradually.
*Go for both liquidity and fixed investments. This will allow you to use your investment in emergency as well as curb over-expenditure of the same.
*Ensure that your plan allows switching
*After investing, keep an annual reviewing portfolio
*Based on your suitability select a premium payment option
While choosing investment insurance plans one must not get into over-exposure of a single market instrument. It is advisable to evaluate all market options and invest accordingly. Always compare various investment plans because not every plan fulfils every investment goal you have. Evaluate every aspect of a plan and then make a purchase.

Property Investment in Melbourne

May 23, 2016 Investment

Property Investment: Great Investment Option

Property Investment is a great way to invest your extra money and also get profit out of the investment. Property investment involves purchasing a property which is not aimed at personal use but for renting or re-sale purposes. This is a quick way to earn profit and also owning a permanent asset for yourself. You can expect great returns of your property investments if you have taken certain considerable precautions from the various risks involved in the process of property investment.

Property investment can be either used for a long term returns, while some are short term investments which involves flipping. Flipping in property investment usually involves buying a property, remodeling and getting sold out. You can opt for any of the two investment options if you have calculated your extra finances.

Steps involved in Property Investment

*Finance assessment: The first step towards property investment is assessment of your finance. Once you have the correct check on your finances, you can have a better hold on the further steps of property investment.

*Pre-approval: Getting a pre-approval from the bank or broker is a great way to move ahead for property investment. You can work your way in assessing your qualifications before you go ahead for the approval. This can help you in having lower chances of rejection or refusals.

*Keep your choices clear: Be clear of what you want to receive from the investment. This makes the process of property search smooth and easy to work on. It is also important to understand your return requirements and plan accordingly to achieve them.

One should also be aware of the risk involved in property investments. You can also take an expert advice and opinion on various aspects of Property Investment. You can also hire professionals in the field to have a fool proof process for investment.

Property Investment in Melbourne

Melbourne being the capital of Victoria is rated at the 2nd place when it comes to accessing the population. It is a great place for property investment and also envisages many groups who provide services in financial management, planning and strategizing your finance. They help in providing the customers with fool proof investment plans on the basis of research and assessment of various risk factors. Taking advice from these professionals can ensure the customers of being in safe hands when it comes to property investment. You just need to meet them once and provide them with the required information. Once they are done with analyzing your finance and other aspects associated with property investment, they will provide you with details on their research and list of various property investment options you can opt for.

This is the best and safe method for a novice or even a professional to go about to start property investment and assistance at various levels. This not only helps you in getting the returns as per your desire, but also keep you safe from various risks involved in the process of property investment.

Capitalizing From Real Estate Investment Courses

May 20, 2016 Investment

Real Estate Investment is an investing venture that consists of buying and selling real estate with the purpose of amassing an income from your investments. After buying real estate, investors gain profits by renting or leasing their properties to customers in need of either housing or business space. Real estate, in its various forms, is anything situated on a purchased property such as land, residences, a garage, or even a shed.

Many potential real estate investors may initially think that investing in real estate is easy – you purchase properties and then rent them out, automatically generating money resulting from the customers you take on. In reality, real estate investment is a much more complicated task that it appears to be on its surface. It is possible to profit without using real estate investment courses, but in order to maximize your profits, you will want to know as much as you can about real estate investment. Real Estate Investment courses can help you to understand the various strategies and techniques that govern the real estate investment process.

Real estate investment takes into account various factors about the current market that can affect the lucrativeness of your investment. If you truly intend to obtain real estate investment success, you will need to understand how these factors come into play when investing, and more specifically, how to incorporate these factors as strategies during your real estate investment.

Real Estate Investment Courses can provide you with the information you need to reach real estate investment success. The risks of this type of investment are virtually unlimited, but the information and knowledge gained from real estate investing courses can help to neutralize these risks through professional investing strategies. However, there are some general guidelines that you’ll need to follow if you hope to capitalize through real estate investment courses. Reading the information provided through real estate investment courses is just one small step to attaining real estate investing success. By itself, real estate investment courses , but combined with the right mindset, investors can effectively profit from a lucrative market.

Tips for Using Real Estate Investment Courses
 Apply what you Learn. When experimenting with real estate investment courses, there’s no purpose in learning this information unless you plan to apply what you learn learn in a genuine real estate investment environment. Otherwise, the time spent learning professional techniques will be wasted.
Nothing is Concrete. Remember that not everything you try will work well. Strategies are not necessarily concrete – they can be less effective for some investors and more effective for others. In every market, there are unforeseen factors that can change how strategies work. At times, strategies will take a long time to develop or could possibly not work very well at all. Regardless of these few that might not work for you, the experience you gain from trying them out is just as beneficial as the techniques that profit you the most.
Don’t Hesitate to Try Something New. You will need to experiment with the techniques you learned in real estate investment training courses in order to profit most effectively. When learning through these courses, you may doubt that a techniques or strategy will actually work. It is important that you experiment with these techniques nonetheless – the technique or strategy that you believe is too good to be true may very well be the one that works best.