Kamis, 03 November 2016

            Here I will explain about the types of investments and their advantages and disadvantages, I have 7 examples of different types of investments ;

1. Savings
Save some money in the bank that can be taken and used at a later date if the owner requires savings.
Profit
1. Can be taken anytime and have no risk.
2. Its easy
Loss
1. Money can be easily reduced, because it can be taken at any time with ease
2. small savings interest.

2. Deposits
of saving money for a certain period, if not yet overdue money cannot be taken or will earn a penalty/fines if taken before his time.   Late fee is adjusted with the agreement that has been exchanged.
Profit
1. Risk is very low. 
2. acceptable Interest greater than regular savings. 
Loss
1. Profits or interest received less when compared to other types of investment dealing directly with market risk.

3. Mutual funds
Mutual fund is where muster funds collectively. The funds collected will be managed by the investment manager will invest in other investment types. When the profit or loss will be divided in for investors. This may be an option for those of you who are just starting to invest. This type of risk is different, depending on the type of risk that is selected. The type is a mutual fund money market, fixed income mutual fund, mutual fund shares, and mutual fund mix.
Profit
1. No need to have a lot of knowledge, as managed by the investment manager.
2. Because it invested to many places, then if there is a loss in one place could be preserved somewhere else that might turn a profit.
Loss
1. For some people, because it is not self-administered are often not satisfied with the results.
2. A profit less than stocks and any charges incurred for managers.

4. Bond
The bond is a certificate of evidence of debt, is a proof that we give the debt to certain companies or the Government. The party owes will give flowers for a certain period. Debt repayment period of more than one year. The safest bonds are bonds or bonds from the State.
Profit
1. to provide a fixed income (fixed income) in the form of coupons.
2. Profit on sale of bonds (capital gains).
3. Interest greater than deposits.

Loss
1. The risk of the company could not afford to pay coupon bond or risk the company is not able to refund the principal amount of bonds.
2. Interest rate Risk (Interest Rate Risk).
3. long time period (> 1 year), so it can't be thawed when needed or if you want to invest in another. 
4. If the party which owes the bankrupt, means cannot restore his debts.

5. Stock
Shares means you have ownership in a company. Money we instill serve as capital for the company. The company will provide an acceptable profit to shareholders as dividends. When it is judged good or a lot of people who want to buy shares of a company, the price is going up, so that when you sell shares will gain an advantage. On the contrary, if the company suffers losses, its stock price can go down so you can suffer losses. This stock can be purchased at the securities firm. For each transaction to sell or buy, you will be charged.   
Profit
1. Can bring in huge profits when the stock price rises. 
2. with a little capital, results can be obtained by repeatedly folding. 
Kerugian Saham
1. The risk of loss of capital if the company went bankrupt/bankrupt
2. The risk of loss also occurs when the stock price goes down.

6. Gold
Gold prices tend to rise each year, which is why many people buy gold and then sell it when the price goes up. When you want to use for investments, gold should be purchased in the form of precious metals bullion or coins than gold in the form of jewelry. Gold bullion or coins having no depreciation or creation of ordinary fare charged when we sell in the form of jewelry.   
Profit
1. liquid assets or assets Including an easy sale. 
2. Durable
3. Prices are stable, tend to rise
Loss
1. Gold did not make their owners grew wealthy
2. There is a chance the value of gold plummeted
3. Unable to provide regular income

7. Property
Just like gold, the price of the property that is the home and land are likely to be going up. By purchasing the property, and sell it later on will bring gains due to selling price has gone up. Home prices will rise quickly when the location is strategic or close to public facilities, this can be a consideration when choosing a location. When going to buy a house in a residential yet or are still built, make sure that the developer be believed and the existence of a clear agreement, because there are several cases, once we pay, construction did not proceed resulting in losses.
Profit
1. small Risks
2. Can be rented so that it can provide extra income.
Loss
1. Requires a large capital to buy a house or land. 

2. The property is not a liquid asset because it is not easy to sell it if one day need the money.

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