Investment Articles

In today’s tough economic climate, people are looking for ways to get back some of their wealth that they lost over the last few years. Most conventional markets did not perform as well as they have in the past, which caused investors to lose a large sum of money. If more people would have invested in alternative markets, they would have been better prepared to weather the economic storm and would not have lost as much of their money as they did.

Outperform Traditional Markets

One of the best ways investing in alternative markets can help grow your portfolio is that these markets typically outperform conventional markets during bear markets. When every other investment opportunity is struggling to show a profit, alternative markets can be providing terrific ROI figures. It is because of this ability to return a positive ROI, even in a down economy, that every investor should add alternatives to their stock portfolio.

Independent of Other Markets

Another great reason for investing in alternative markets is to diversify your portfolio. All of the traditional markets such as cash, stocks, and bonds are intertwined and dependent on each other. When one of those markets starts to perform poorly, the others will tend to follow. If you had all of your money tied up in these traditional markets, you could potentially lose a large portion of your wealth whenever one of those markets started to perform poorly.

On the other hand, alternatives are not correlated to the traditional markets and therefore are not subject to their influence. If the traditional markets start to tank, alternative markets can still thrive. This will allow you to continue to see your investment portfolio grow even when traditional markets are tanking. Not putting all of your investment eggs in one basket is the only way to ensure you do not lose all of your wealth at one time.

Investing in alternatives is also a great way to take advantage of emerging markets. Most investors focus a large portion of their time and efforts into the traditional markets. Since these investors are not on the lookout for new markets to get involved with, you are able to take advantage of these new investment opportunities and get in on the ground floor. This could help you realize a tremendous return on your investment should you discover a highly profitable alternative market.

Developing a sound investment strategy is vital to your future financial independence. If you stick all of your investment eggs in one basket, you run the risk of losing all of your wealth when one of the traditional markets collapses. However, if you spread your investments around to include alternative markets, your chances of going broke are greatly reduced.

If you do not know which alternative markets you should invest in, consider seeking the advice of a company such as Altegris. This type of company can help invest your money wisely in alternative markets.

Investing in property, be it residential, commercial, agricultural, leisure, healthcare, student accommodation or some other niche property sector, is ostensibly the most popular and common form of alternative investment, and has been used as a low risk, long-term investment asset by many Investors. The main aim of the property investor is to capture income from rentals, and/or capital growth either through natural attrition or by adding capital value through development. Whatever the form or sector, property investments are solid, tangible and ‘real’ in that a property is unlikely to depreciate in the long term provided due care and consideration is given to due diligence in the acquisition stage.

Investment Strategy

The traditional form of property investment is the simple leveraged buy to let, where an Investor will acquire a property using a combination of cash and mortgage debt, and seek to cover the mortgage costs with rental income. This strategy is ideal for the long-term Investor with ample time to allow the rentals to completely pay off any mortgage debt. Older Investors should be wary of taking on long-term debt to fund property acquisitions. The buy to let strategy can be applied to residential, commercial, agricultural and other sectors including student accommodation and healthcare properties.

A more opportunistic approach is to identify and acquire distressed assets at heavy discounts, and aim to resell quickly in the open market in order to capture the inherent profit. This strategy removes the long-term financial liability associated with property ownership, and also removes reliance on capital growth as the main driver for profit.

Land development and planning are also valid property investment strategies, although these are often large and complex projects and not suitable for inexperienced Investors. One way for smaller Investors to participate in property development is to buy off-plan, where they receive a discount for agreeing to purchase the property before it is built, this again capture inherent profit, and the investor may choose to sell the property on completion of the building works, or they may choose to rent the property out. Other options for Investors seeking exposure to development property are smaller developments or refurbishments involving the renovation of property in order to add value.

Each strategy carries its own set of risks, and Investors considering adding property exposure to their portfolio should consider their end goals, be it income, growth or both, and seek out investment opportunities likely to deliver on those goals. As always, due diligence is required in the research, investment planning and acquisition phases of property investment, and often Investor will require expert help for legal and property professionals in order to properly identify the risks associated with the property or project in front of them.

David Garner is Partner at DGC Asset Management, an alternative investments boutique specialising in alternative property transactions in the real estate and natural resources sectors.

Investment Options

Access to property investments is well-established, with a range of direct investment opportunities and collective investments available for both retail and institutional Investors alike. In the first instance we should look to the range of property sub-sectors available for consideration, and further investigate both direct and collective access points for the sector in general.

The main property sub-sectors that may be available for smaller investors are:

Residential
Commercial
Student Accommodation
Care Homes
Hotels
Leisure / Tourism
Development
Agricultural
Forestry

Within each sub-sector lies a range of possible entry points for Investors; broadly categorised as either direct investments or collective investments. Collective investments being either regulated or unregulated fund arrangements, where Investors capital is pooled so as to acquire a basket of assets, or participate in a project with a large capital requirement. Direct investments on the other hand are simply straightforward acquisitions of property assets by the Investor. There are, for example, funds for residential, student accommodation commercial and most other sub-sectors, and likewise, there are options for Investors to directly acquire investment properties in each of these sectors via freehold or leasehold title.

Direct investments – Simply the acquisition of property assets by the Investor, direct property investments take many forms; from the acquisition of property for improvement and sale; through to acquisitions for leasing/rental to a tenant or operator. For the Investors with sufficient capital or finance, direct investments remove the majority of risks specific to collective investment schemes where Investors are reliant on the external management of a property portfolio. Direct investments do however carry asset-specific risks; property assets can incur significant financial liabilities including on-going maintenance, tax and round trip purchasing costs (the cost of buying and selling an asset).

Property investments, especially direct property investments, provide the Investor with a level of security that paper-based investments do not due simply to the fact that quality property assets retain capital value throughout the long-term, which in the case of well-chosen properties in good locations, is unlikely to fall and cause the Investor a capital loss. Provided the Investor is prepared and capable of tolerating the illiquidity associated with physical property assets, this asset class provides true diversification out of traditional financial assets such as stocks bonds and cash.

For the direct Investor, careful consideration should be given to the due diligence process during the asset identification and acquisition stage, as in most regions this will require specific professional input from legal practitioners, surveyors, valuation agents, and in the case of niche property investment projects with a specific strategy Investors must also consider the counterparty risk in that in many cases Investors might be reliant on the performance of a strategy manager to achieve the expected returns from investing in their strategy.

Collective investments – Property funds come in all shapes and sizes, and invariably involve a Fund Manager acquiring a basket of properties in line with the fund’s investment strategy, and managing those assets on behalf of Investors in the fund. There are funds, both regulated and unregulated, that invest in all of the major property sub-sectors. One can find opportunities to invest in residential real estate, student accommodation, care homes, commercial real estate, shopping centres and property developments. Some of these funds cater only to large Institutional Investors, whereas other offer lower entry levels for smaller Investors.

The structure of collective property investments varies from fund to fund. Some are highly regulated affairs, established and operated by major asset management groups, others are small, niche operations established to capitalise on current short term opportunities or niche sectors or markets. Collective funds may be listed on an exchange, allowing smaller Investors to trade in and out of the fund as and when they please. This removes the potential illiquidity associated with the property asset class, however this also detracts substantially form the returns generated from the underlying property assets as some capital is never invested in order to ensure that redemptions can be made from cash without liquidating part of the underlying portfolio.

Whether listed or unlisted, regulated or otherwise, collective investments in property assets offer access to the asset class for the smaller Investors, although in many cases the cash flow dynamics of securitised investments differ greatly from direct investments in property assets.

David Garner is Partner at DGC Asset Management, an alternative investments boutique specialising in distressed real estate and productive natural resource properties.

A call option will essentially give you the right to acquire a specific underlying stock, at a particular rate whereas a put option gives you the rights to dispose off any underlying stock at a particular rate. Each and every owner of any option contract is free to exercise it, at any given point of time, demonstrating that this financial transaction that has been specified under the contract, has to be enacted straight away between the two parties to the contract. Alternatively you may sell these underlying stocks while you are still holding the put options. As a result, this contract itself comes to an end. At the time of exercising a call, an owner of the option buys an underlying share at its strike price through the options seller, whilst for a put, an owner of the options will sell this underlying stock to an options seller.

In Options Trading, option exercise means to put into effect your rights to purchase an underlying stock when you are holding a call options otherwise to sell this underlying stock when you are holding a put option. Well, a Call option will give you a right to purchase an underlying stock at a specified rate whilst a put option will give you a right to sell an underlying stocks at a specified price, however that right will not occur automatically earlier than the expiration of that option. Thus, options are known in the financial language as a “Contingent Claim”. This means that a claim is considered to be contingent on its holder. Here the holder will determine whether he wishes to enforce his rights or not and this process is recognized as an “option exercise”.

Options aren’t generally exercised early because early exercise results in the surrender of time value of the holder and so it generally does not occur. Owner of the option may decide sell the call in order to capture the time value. At the same time early exercise does not really make any sense in case considerable time value is remaining.

Every investment strategy, which has been related to any investment in options, is known as a Cover Call. However on the other hand, an Options is a specific derivative that goes together with any forward contract, any futures contract, as well as any swaps and other benchmarks. Similarly like in the case of any derivative, they have a hold on an underlying asset. One of the most well-known options underlying asset is a stocks option. Here an option is referred to as a stocks option.

All the investment strategies, that are co-related to a specific investing of options, are referred to as a Cover Call.

Those of you who are new to the subject of Investment psychology might well be a little puzzled by the question.

What if I told you that knowing this information could have a major impact on how you make investment decisions and ultimately your long term success as an investor.

By the way the same goes for the traders among you, particularly if you are swing trading.

Before I delve deeper lets take a quick look at the difference between left and right brain and how it influences your decision making process:

The left brain operates in successive Hemispheric style, which basically means that it processes information in a linear fashion.

The right brain has a simultaneous hemispheric style which means it operates in a visual fashion.

The left brain plans ahead, sees things in an orderly succession, while the right brain operates in a random fashion, tends to be more impulsive and responds to emotion.

I think you can already see where this is going:

Maybe you recognise yourself as falling in one of the two groups? If so great. For those of you who do not readily recognise themselves as members of either group, maybe you are lucky and your brain is balanced, meaning that you will be much more flexible in your investment approach. This, however, is not the case for the majority of us. Most of us tend to have one predominant side of the brain from which we function.

It is in your interest to identify to which category you belong. It will assist you immensely with your investment strategies. Once you have identified which group you belong to choose a style of investment that suits your dominant brain. It will improve your investment results.

For those of you who would like to seriously improve their performance you might wan to work on balancing the left and right brain hemispheres. Meditation is not the only way to achieve this. In my work as an investment and traders’ psychology coach I have found that best and quickest results are achieved through balancing mood fluctuations.

A happy brain is more alert, able to receive more information and more balanced. Attributes much needed in today’s unpredictable and volatile investment and trading terrain. There is so much emotional content today which most investors and traders buy into without their conscious knowledge.

It is in all our interest to clear as much of the old mental triggers as possible. It gives clarity and makes for a calmer more balanced mind and, needless to say, better decisions for your portfolio too.

It is now a widely held belief that investing in stocks and other financial instruments in the traditional manner generates an investment return that is driven more by the latest piece of political rhetoric, or the most recent announcement of sovereign debt risk or unemployment figures from some far flung corner of the world, than by underlying company fundamentals like good management and a strong balance sheet. Aside from this inherent volatility, many investors also feel over-exposed to financial markets, especially those coming close to retirement that may have little time left to regain catastrophic losses in any one holding.

This shift in mind-set amongst investors has driven a huge growth in alternative investment management, with most financial institutions now offering investments that are organised and managed in such a way as to attempt to avoid volatility, or generate a return when markets fall, or some other such strategy.

Short Only
Short only funds bet on particular stocks losing value. Investors might buy into a short only fund if they felt particularly bearish (pessimistic) about the short term future of financial markets in general, and some may allocate capital to this strategy as a hedge against the impact of a general downturn.

Ultra-Short Bond Funds
This a type of investment fund that invests fixed-income bonds with very short-term maturities. Such a fund will usually invest in bonds with maturities of around 12 months. This strategy is designed to generate higher yields than traditional bond investing with less volatility.

Market Neutral
Market neutral is an alternative investment strategy designed to profit from growth and depreciation in the value of stocks. Whilst there is no finite technical definition for market neutral investing, for the most part, the overall strategy will involve taking long and short position in a stock (betting both for and against it) in order to maximise the return from making good stock selections and minimise the impact from broad market movements.

Absolute Return
The original name for hedge funds – absolute return investing involves a wide variety of alternative investment management techniques designed to capture financial gains during any and all market conditions. Absolute returns refer specifically to the return of the fund or investment over a given period of time i.e. the actual growth or depreciation. This differs from relative returns, which is a measure of investment returns when compared to similar investments or a sector.

Long / Short
A true mixed bag of investing, long short strategies involve taking long positions in one stock and betting against the value of another stock. In theory, as one sector or company makes a gain, there will be losses in competing sectors, and investment manager aim to identify such opportunities and capitalise on them. A broad example might be an investment manager who thinks oil prices will rise significantly based on some impending political or social crisis, so they might buy into oil company stocks and short stock of companies that rely heavily on oil as a key input in their business.

David Garner is Partner at DGC Asset Management, an alternative investments boutique specialising in property transactions in the agriculture and renewable energy sectors.

During the past five years, the global economic meltdown has spurred a spate of reorganizations of the investment portfolios of major institutional investors, many of which are now allocating more capital to real-asset alternative investments in an effort to reduce exposure to volatile financial markets, generate superior investment returns, and underwrite the value of their portfolios with the capital value of niche, income-generating property assets including forestry investments and farmland investment properties that are unlikely to depreciate in the long term.

The logic is sensible, and the likes of Yale University Endowment and their Harvard counterparts have all entered into long-term farmland and forestry investments as part of an overall refocusing of their investment strategy. Historically, land, gold and gems of varying types have been the only store of wealth, it is only since the introduction of fiat currencies that investors have sought to build cash gains, rather than aiming to build a sizable portfolio of land, property or other physical assets. Now, many smaller investors are taking heed of the big boys’ new strategy, and investigating the potential benefits and risks associated with investing in commercial timber properties and agricultural land assets.

Both of these assets classes exhibit characteristics that hold particular appeal during times of economic turmoil. Not only have assets in both sectors outperformed the majority of traditional investment instruments, but also, investment returns are driven by factors and variables that bear little impact from turmoil and volatility in traditional equity markets. Trees continue to grow to valuable timber whatever the economic weather, and increasing demand for resources from China, India and other fast-growing emerging economic drives up the price of sustainably sourced commercial timber and demand outstrips supply.

Capital growth and revenue from farmland assets are also supported by increasing demand. More people simply require more food, and improving diets in emerging market economies require greater inputs of grains, water and other inputs including fertilizers and fuel. All these factors combine to drive up commodity prices (and farm income) on an annual basis, and a lack of suitable land in the face of growing demand also supports long terms capital values.

So, on paper both farmland and forestry investment assets offer a number of advantages to the investors, but there are also a number of asset specific risks that must be acknowledged and understood before venturing into this type of asset as part of a diversified portfolio. Here are some of the headline risks associated with agricultural property investing:

Sectoral Risks

Both farmland and forestry investments display risk-potential that is specific to owning and operating agricultural assets in general. Income is derived from the production and harvest of commodities, be it timber, biomass, energy crops, grains or livestock. Revenues streams can be volatile, with growers subject to prevailing market conditions at the time of harvest. A dip in prices may cause an entire years’ revenue to be wiped out. Energy prices also factor in, especially in relation to farmland. Higher oil and gas prices mean higher farm input prices, further squeezing profit margins.

In the case of forestry investments, value can be stored on the stump during periods of decreased timber demand (and deflated timber prices), as property owners simply leave their trees to grow larger and more valuable until market conditions dictate a sensible time to harvest and sell. There are of course a number of other risk-factors associated with investing in real assets in the agricultural sector, but the major sectoral considerations are volatility and immediate demand for produce.

Location Risks

It is written, and I personally believe, that the vast majority of demand for resources such as energy, timber, food and other commodities will come from fast-growing emerging market economies. China alone exhibits economic growth on such a scale as to dwarf that of developed economies. When 3 billion people drive a car, live in a timber and concrete house, and eat a western diet, then demand for energy and raw materials will reach a level hitherto unseen.

It stands to reason then, that agricultural assets located in regions close enough to, or even inside emerging market economies are best-positioned to participate in the supply chain, and offer enhanced returns for investors due to low asset prices and high demand for end products. Whilst emerging markets offer the best opportunity for superior investment returns, these locations also carry risks not associated with developed nations. The potential for expropriation of land and property by unfriendly governments attempting to win votes poses a very real risk, and investor should carefully investigate the security of title for international investors before committing funds.

Asset Specific Risks

This is where experience and expertise comes in. farms and forests are niche assets and require careful expert management in order to mitigate risk and maximize upside potential. Flood, drought, disease, pests and soil degradation may all affect the income potential (and therefore capital value) of agricultural property assets. Growing commercial timber takes skill, knowledge and experience, and running a successful farm requires the same. My advice? Only ever choose to invest in agriculturally productive properties if you are able to access and retain expert operational partners capable of managing specific assets in the region you wish to invest.

In summary, it could be said that investing in farmland, or timberlands, offers the investor the opportunity to generate non-correlated returns without dramatically altering the overall risk profile of a portfolio. But there are risks, and the risks to be considered are not necessarily the kind of risks that investors are used to acknowledging or assessing. So seek the advice of an experienced consultant with a track record of delivering successful projects, and make sure that you are capable of withstanding long-term illiquidity, as both farmland and forestry investment assets are long-term investments, and investors must consider that they will ride out the bad times along with the good, in the hope to retaining control of some of the world’s most essential, productive assets.

David Garner is Partner at DGC Asset Management, an alternative investments boutique specialising in property transactions in the agriculture and renewable energy sectors.

Many people go cold at the idea of options trading…it sounds complex, risky and of course it does take some capital investment. But if you own or are thinking of owning shares, you could be earning a monthly income right now. The covered call strategy is effective and really easy to understand and implement. Basically you are writing a contract in which you agree to sell your shares at a set price on or (in some markets) by a set date. For this agreement, you are paid a premium or income. You get to keep this income whether or not the buyer chooses to exercise their right to buy the shares off you.

In a scenario where the share price goes up, you will likely be exercised and your shares are bought from you at the agreed price irrespective of the actual price on that day. If the share price goes down and the buyer can buy the shares at market for a cheaper price, the calls will likely not be exercised. You get to keep the income and the shares and you can repeat the whole thing again the next month! In this way, you collect income from your capital investment, a bit like collecting rent from a property. Sound complicated…it really isn’t and with online brokers putting on the trades is quick and easy.

So what’s the downside? Well, owning shares always carries some element of risk. Of course the underlying value of the shares can go down as well as up and erode your capital investment? Also if the share price goes up, you may be missing out on the capital gain as you will have to sell your shares at the price agreed regardless. However, if you choose your stocks wisely, diversify across categories and put some stop losses in place to protect against a particularly badly performing stock (or buy put options), then you can mitigate your risk. If not exercised you can repeat the process month on month slowly milking your investment and compounding your investment (i.e. buying more shares with the accumulated income) for a very healthy overall return. You also have to remember that you only realize your share gains when you sell your stocks whether the covered call strategy generates actual monthly income.

In short, covered call writing is actually a pretty conservative and effective income strategy. It takes a little bit of work and knowledge investment to understand the concept and select the right stocks but once you have your formula, it can be surprisingly easy to implement.

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The American economy seems to be picking up pace, with strong employment data bolstering confidence in a sustained recovery. And the housing market seems to be just about at the point of capitulation. So how as an investor do we make the most out of cheap houses, loosening credit and a growing workforce?

Let’s take a look at one strategy currently employed, that has the potential to generate a substantial return on investment, whilst creating a positive social impact. It’s called the Exit Strategy, and was developed by a joint UK/US team that have rolled out the program 18 months ago, and have since delivered 350 renovated homes to disadvantaged families who have been able to take actual ownership of their own home, with a mortgage on preferential terms.

The investment cycle is simple; US banks are keen to rid their balance sheets of foreclosed properties. Not only are the banks unable to prepare, renovate and market these properties, they also glut the bank’s balance sheet with toxic assets, making it harder for the bank to borrow, and therefore lend.

This unique situation allows an investor to acquire a property at a vastly reduced price to market value. Where properties are available through Realtors for around $80,000, similar properties in close proximity can be acquired AND renovated for $25,000. Most investors would then just rent the property to a low income family, creating a positive cash flow and long-term growth investment. But this strategy is different.

With this alternative investment strategy you simply sell the renovated home to a disadvantaged family. But how? Well, if you’re lucky enough to have secured downstream mortgage finance on fixed terms from a number of local banks prepared to lend to the new homeowner, then you’re on to a winner.

Effectively, if you buy, renovate the home for $25,000, then sell it for $50,000 (well below market value) to a family, with a mortgage provided on fixed terms from a local bank, and you can do all this within 30 days, then you can effectively achieve the following over a 90 day investment cycle:

Initial Investment: $25,000 (single property)
Sale Price: $50,000
Timeline (total): 30 days

Secondary Investment: $50,000 (two properties)
Sales Price: $100,000
Timeline (total): 60 days

Tertiary Investment: $100,000 (four properties)
Sales Price: $200,000
Timeline (total): 90 days

Total Profit: $175,000
Total Margin: 700%

To achieve this in reality, you need mortgage finance, you need access to foreclosed properties, you need a committed, employed renovations team capable of prepping a house within two weeks, and you need access to a market of families that want to get out of expensive rental schemes and back into home ownership, with equity.

David Garner is Partner at DGC Asset Management, an alternative investments boutique specialising in property transactions, with experience across residential, agricultural, forestry and renewable energy.

Most investment strategies pitch somewhere upon the continuum between a high risk / high return approach on the one end and a low risk / low return approach on the other. The problem with pursuing high investment returns, is that the capital value of investments may decrease in the short term before they increase again. The problem with conservative low-return investments is that the real value of capital may over time decrease due to inflation.

The art of investing lies in finding the approach that suits you personally best. One should on the one hand try to maximise the return on capital, but at a risk level that is acceptable to you. The question is what is regarded as acceptable risk and, is the acceptability a constant factor that stays the same under any circumstances? The answer is no. More risk is acceptable under certain circumstances, but before these circumstances are discussed, it is necessary to discuss the following terms that will be used, that are often confused:

Saving

Saving is the action of putting money aside. It means that money is not spend, but is kept at the owners disposal.

Investing

Investing means that money is handed over to a third party for purchasing assets with the purpose of long term investment growth. Investors transfer the their funds with the intention that financial assets like shares and bonds or hard assets like diamonds are bought. Investing does not mean to hand money over to dubious schemes.

Gambling

To gamble is normally understood as “to play a game for money or other stakes” like putting money on a roulette wheel or buying a lotto ticket. It can also mean to buy a share that you know nothing about or investing in a scheme you don’t understand.

Marketers of illegal schemes use the word “investing” to lure people to hand their money over to them. Initially, when “investors” receive high payouts, they think the scheme is the best investment thinkable. The fact that it has nothing to do with investment, only dawns on them when they lost all their money and it is to late to recover anything.

Speculation

Speculation means that a calculated risk are taken to make money on a relatively short term. One may for instance buy property with the purpose to sell it in a year or two at a higher price. The price of the property may not rise, but at least you have done sufficient homework to make sure that there is a high probability that it will rise.

Now that we are sure about the terms, we can look at the circumstances under which a higher risk may be appropriate.

Surplus income: The higher your surplus income, the higher the risk you should be able to handle in investing money.
Frequency of investment To invest a certain amount regularly, holds less risk than to invest a single amount at once.
Amount: If the amount you want to invest, is a small percentage of your total capital, you can accept greater risk.
Term: Greater risk can be handled with longer investment terms. Young people can therefore accept greater risk, but if the term of their financial objectives is shorter, investment portfolios should be structured less risky.
Income: If you receive an income from your investment, it should be structured more conservative with less risk. If you are not receiving an income at the moment, but plan to do so in future, you can decide to pursue a higher return till you need the income. When this happens, the investment could be restructured to reflect the new situation.
Investment experience: Investors with little investment experience should be more wary against risk than investors with lots of experience in this regard.
Dependants: Investors with more dependents should be more wary towards risk than those with few dependants.
Health: Healthy investors can handle more risk than unhealthy investors.
Diversification: An investor that already has a well diversified investment portfolio, can accept greater risk with new investments than investors with undiversified portfolios.
Timing: Share investments are normally more risky than some other investments. Investment risk can however be reduced if shares are bought when the economic cycle is on it’s lowest. Risk can also be lowered if investors buy shares of strong well established companies with little debt and healthy balance sheets.
Emotional tolerance:Some people loves the adrenaline rush in going for high returns, with no regard to the risk. They are emotionally capable of doing it this way. For other, it is a nightmare if their investment fall by a single percentage point. One should therefore know how you will respond to sudden capital depreciation.

Summary

One’s view on risk forms an extremely important element in investment planning. It is as irresponsible to take unnecessary risks as it is to be satisfied with a low return on your money. However, to pursue higher return, goes with the responsibility to research the investment opportunity thoroughly before parting with your money.

Dr. Manus J. Moolman is the CEO of My Wealth and has done extensive research on investing strategies. My Wealth is dedicated to advising anyone from average every people to professionals to choose the best investment for their risk profile.

Want to contact us? Visit our website at: http://www.myebroker.info/