Hard money has a safe interest income! The definition of hard money is: money is a solid investment with the fixed period at an agreed rate of interest contractually. The fixed deposit is thus a form of time deposits at a financial institution such as a bank on a fixed deposit account.
The investor during the investment period normally does not have access to the hard money. However, some institutions have the opportunity to advance to terminate the contract but lost interest to it. Common fixed deposit maturities are 30, 60, 90 days, 1 year, some providers offer investment periods of up to 5 years (eg Finansbank). Hard money is a safe, risk-free investment.
The advantage of hard money is the guaranteed interest rate, regardless of market interest rates. But what may prove to be a disadvantage is the fact that hard money, for several years, has rising interest rates in the meantime. Generally, the longer the maturity, the higher the interest rate.
The financial crisis has shown that with very few investments in global market, turmoil is really sure. The federal government has managed its explanation of security of savings, trust and legal certainty. Hard money, today, is created by German banks largely as trustworthy investment. The investor can sleep calm down.
Hard Money Tip: Interest on time deposits are currently relatively low. When interest rates rise again, it is the time to deposit back too. Did you know that a fixed deposit account is charged by all banks? Banks are also have a small administrative burden and the customer would see little of this, but still pay a fee. Now it is worth comparing the bank fixed deposit.
Fund information online
Fund by fund companies was launched to small amounts of capital to form a larger capital assets of several that will achieve a certain return on investments.
The person can make a fund by buying shares of capital that are available to acquire by ownership of the fund's assets. Joint ownership is represented here by securities, whose prices can fluctuate depending on market conditions and risk class to different degrees. The person who joined the Fund is referred to as a fund shareholder.
The investor buys the opportunity to participate in the development of all the assets. This is particularly interesting for investors. The desire is not enough time. The purchase of individual shares, bonds, etc. can be made.
Depending on the orientation, goal, investment strategy, risk appetite and return expectations, there are various fund categories and fund types, distinguishing between open and closed funds.
Open and closed-end funds
Basically, the funds are available as open or closed-end funds. The closed-end funds are from the investor and comes after maturity. At the end of fixed period, the cash back. Shares of open-end funds, however, can be resold to anyone at anytime.
In closed-end funds of 2005 were especially for tax reasons invested from tax shelter. In particular, higher incomes, which is your taxable income, has a high rate of income tax paid. We were able to participate in such fund tax burden.. The Fund worked as a tax shelter . This is the amendment by the 11th of November which is not possible. Still offered is the closed-end funds which offer attractive yields.
The following are the fund types:
Equity Funds
Pension-fund fund
Sector Funds
Fund of Funds
Pension-fund fund
Guarantee Fund
Closed-end funds
Money Market Funds
Index Funds
Investment Funds
Country Funds
Balanced Funds
Open-ended property fund
Region Fund
Pension fund
Other types of funds
Of the types of funds, Real estate funds have the most open when the financial crisis occured. Several funds are now in the process, others are still closed for months, such as the Axa Immoselect or KanAM reason Invest.
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