Importance of Finance - Best Investment Strategies for 2012

Investment strategies always consist of channeling or allocating your resources into appropriate investment channels. Diversity is the key to reducing overall risk involved. Now for the sake of explanation let?s say that you would be investing 50% of your monthly income into investment channels and on the other hand, you shall be spending or saving the remaining half. Here?s what you can do.

Half and Half of the Investment
Now this one is the kind of investment which suits young guns, the best, as it involves an investment which is not exactly, very safe and secure, but success may provide great returns. On the other half side is a set of investments, which would act as a risk offset, for the other half. Here?s what you can do:
?The first half, you invest into shares, gold, variable and indexed funds, and other sources, the returns of which you cannot simply forecast and deduce. Here you will have to keep on researching the market, and also your own investment to make a profit. Remember the returns are risky and depend upon your research and decisions to sale and purchase.
?The second half is the one where you would have the investment options which have an assured rate of return no matter what. Such investments ensure your financial security and stability. Some such investments include, fixed annuities, mutual funds, systematic investment plans and collective investment schemes, bonds and certificates with a guaranteed returns clause.
Real Estate Investment Strategy
Well, this one is really effective, especially if you are targeting real estate as an investment option. With the recession hitting the real estate market in USA quite hard, property prices have fallen substantially. Ergo, this is a good time to buy good properties for low cash. In such a type of investment strategy, you will be again splitting your investment fund of 50% of your income into two or three parts. Here?s what you can do; also take into consideration that all your investment options and amounts that you actually investment are going to depend upon how much is your mortgage installment.
?Now a giant chunk of your investment is going to go into paying off the mortgage installment, so let?s assume that it?s going to be about 20-25% of your income.
?The remaining part you can invest into funds that are professionally managed and also have a certain guaranteed returns clause. Plus you can also have the benefit of the returns that are gained as a result of a well performing portfolio. Have a significant part of your income invested in money market accounts and certificates of deposit, that can earn decent returns for you.
For the 40 Years Olds
Now this one is for the 40+ age group. At this age, you would be having a family, plus you have to think about 3 important things, one is your retirement, your kids? future and your security. Hence you can divide your investment into 4 parts and invest into the following avenues.
?Firstly, you can invest into rather risky, but to some extent assured, professionally managed funds such as mutual funds, variable annuities, collective investment schemes, etc.
?Next, you can invest into relatively secure channels such as bonds, fixed annuities and systematic investment plans.
?Apart from the other two options, a life insurance and health insurance are two externally important investments, for all people in the age group.
?Lastly, you can pool in money into IRA and 401(k) or other such secured sources like money market savings accounts. Another alternative is government bonds and securities such as treasury certificates.
Gold is no longer an attractive investment option as it has become highly speculative in recent times. Bonds and mutual funds with a diversified portfolio are your best bests in 2012. Decide the degree of risk you are willing to take and the amount of money you may safely invest in high risk options. See to it that you have a decent amount of cash stoved into secure investment options like IRAs, 401(k) plans, IRA CDs and money market accounts. The rest can be invested in medium to high risk options like mutual funds, stocks and bonds. Stay positive and be ready to adapt to the changing market conditions. Only invest into financial sectors which you understand. Avoid falling prey to speculation and base your decisions on sound financial data. Good luck!

Source: http://www.finanzkatalog24.net/wordpress/2012/02/best-investment-strategies-for-2012/

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