Be cautious when investing channel selection

Choice of investment channels is disturbed by the idle money. Because the interest rate is only 7% / year, the real estate freeze, the stock continued quiet, while gold prices were higher than world prices and potential risks.

Be cautious when investing channel selection

Artwork. Source: tin60s.com

A classic choice for people who have idle money in the savings bank. Song can be seen that with the reduced interest rate of 7% / year at present, while the consumer price index continued to increase slightly, the savings are returned to the correct channel as a safe investment. This investment channels no longer bring good profit years from 2011 to 2012.

Therefore only suitable for those wishing to secure the capital. But even savings deposits also not without risk. If weak banking system, not investment performance, the deposits of the people also suffered by the banks to merge, some people's credit funds must be dissolved, not to mention the inflation high as currency devaluation sending ...

One direction is invested special attention in recent years is gold. This item has been increased attention as strong in 2012, but also up and down repeatedly in the past 6 months. People have the mentality to buy gold reserves should be the main attraction of this item is difficult to reduce. But with the recovery of the dollar, the stimulus program was one of the largest economies in the world to deploy, predicts this item will be available in the near future, making prices fall further. Domestic gold prices are not predictable due to dependence on the happenings of the world market, while many authorities not to interfere with the geographical balance. So, if buying gold cup nature of the room, you can invest in this channel. But if you buy into for the purpose of profitability considerations because it is not easy to predict market trends.

People with spare cash can also invest in real estate, although the direction of this stock are not many positive signs. For real estate, you can see, there are large inventories of housing, support policies of the government have been identified that contribute only, can not help cheer the markets. Therefore, this investment trend is just getting people interested in the real housing needs, no strong attraction to people wishing to make a profit due to uncertainty about the lucrative opportunities in some next year.

However, this investment channels still need to be concerned because when the economy recovers, the price of real estate will recover by. The recovery in real estate prices in many major U.S. cities, British past is a testament to this claim. Investing in real estate in the long-term prospects as well as the psychology of people here that are safe havens, with higher margins. Meanwhile, current developments in the market and create conditions to buy low, sell high. Of course, the opportunity will only come with more investor information, observed that the development trend of buying local.

For the stock market, it has been suggested that, provided savings rate fell, the economy is going to slow the development phase, but more sustainable, the investment is a long term opportunity. Compared to other investment channels, there are many opportunities securities to capital more profitable, especially the purchase of shares in the manufacturing sector, oil and gas, fertilizers, pharmaceuticals, rubber.

In addition, investors are not surfing in nature, this is a good choice, because in the past there have been business unit dividend is efficiency up to 30-40%, particularly with business return to 120%. In fact, due to income levels many times higher than the savings, many individuals have turned to this form. Of course, with this investment orientation select stocks of essential trades, cash dividend steadily each year from 10% or more (compared to the face value), capitalization does not need too big, and less than 10% increase compared to the bottom for 6 months - 1 year back. Because these sectors essential to manufacturing, business stability, and the dividend rate is higher than the savings.

Investment channel choice in economic conditions are difficult, there are not many profitable opportunities as it is hard work. Therefore, every individual should be cautious, do your homework, just decided to gather more information, see the potential in the long term.