Tag: finances

Where the money in times of low interest rates? At the present time of low interest rates, you stand more often than some people ask the question: consuming or investing? Interest rates are at a record low, the ECB has lowered interest rates on the 07.11.2013 again to now 0.25%. Although low borrowing costs resulting for the consumer, because the banks cheap can borrow money from the Central Bank, on the other hand, but even a measly interest offer for savers. This is true not only for money market accounts but also for fixed-income securities and bonds. If this has piqued your curiosity, check out Keith Yamashita. Is now the inflation currently 1.2% (Status: October 2013), it comes to a monetary depreciation, i.e. over time to lose money despite interest and compound interest. Do not is no alternative you might think that the interest rates on a day money account actually not in the weight should fall, because I recommend anyone making his financial planning on the basis of a tag account. But it is not that simple unfortunately. As already mentioned, low lead Interest in all investment products to a lower profitability.

So you get the message that credits interest rates fall unfortunately soon probably by the provider of your daily allowance account. You can expect that anywhere where you will receive a fixed interest rate, will decrease the interest rate. Investment decisions for low interest rates as investors now facing the dilemma with reasonable risk to achieve an adequate return. The last years have shown that exposure to the stock market in such a market environment can be quite lucrative. But is such an investment with a certain risk. Especially the markets be flooded frequently for years now with borrowed money (banks lend themselves to effectively 0% as much money as they want), which sometime also must drain out of the market (if the loans to pay back).

The European fund directive UCITS III revolutionized the financial sector, it makes it possible, traditional and alternative investment strategies to combine the innovative European fund directive UCITS III revolutionized the financial sector because it makes it possible to combine traditional and alternative investment strategies. As a result, portfolios with optimized yield/risk characteristics can be offered. Benefit large and small investors alike. INTEVO-the product from the home IC Interconsult GmbH investment objective of the INTEVO funds enables the investor according to the principle of spreading a long-term investment in securities and other assets, and future-oriented and sustainable trends are focused. To achieve the investment objective, INTEVO uses a holistic approach, which integrates global trends as well as operational factors, to invest in high-yielding target investments that are relatively independent of the development of classical markets (stocks, annuities, raw materials etc.). For more information see this site: Publishers Clearing House. The targeted annual rate of return is between 7% and 8%.

Global trend of energy & environment politically and ethically has for a long time, particularly in the highly industrialized nations, a new trend developed positive answers key questions for an efficient, safe and sustainable energy concept. Our opinion the trend towards sustainable investment in the sector of energy & environment – in the long run – will have many years highest acceptance and top priority. Although currently many developments are expected to be at the beginning, we see sustainable as well as above-average potential in process design as well as in the direct target investments in the relevant sectors. Current focus of investment policy based on the trend analysis is the current focus of the investment policy in particular on two areas. As the Fund’s assets is applied on the one hand in factoring receivables papers, with a 90% debt cancellation insurance are provided to limit risks. Investments form the second area in securities which are active in the fields of energy and the environment, with the focus specifically on the renewable energy is.

In an otherwise difficult market environment, ‘Outliers’ dominate the business. Hamburg, 25.Juli 2012. This also applies to the German S & K property no. 2 GmbH & co. KG of emissions House United investors, is that since the beginning of the year in the placement. After less than five months, this Fund won an investment volume of EUR 30 million in equity for themselves why the Fund management has proposed the increase to a total placement volume of 50 million euro of equity provided for in the prospectus. We are pleased about the incredible success of this participation”, says Thomas Gloy, Managing Director of United investors and Chairman of the Board of the German S & K asset AG.

Our system concept is”, says Stephan Schafer, founder and CEO of S & K. In fact: The special concept of the Fund S & K German property no. 2.0 foresees that the investors in the overall success of the group participate. And who can be seen: despite an extensive and diversified investment phase in which Future development of the group, was able to achieve S & K with its three operating companies S & K assets GmbH, German S & K asset AG and S & K holding GmbH a net profit amounting to EUR 5,8 million in 2011 after deduction of all costs. Simultaneously realized real estate volume of of Group of companies is EUR 180 million. This serves as a security for the Fund subscribers, because the deposits of the Fund artist are grundpfandrechtliche collateral. Never a Fund has been since founding our emission House so clearly demand and quickly realized the performance German S & K property no.

2.0 pays just out “, says Hauke Bruhn, also on the Board of the Hamburg-based emission House. He sees a confirmation also is that you have focused not on continued stock fund, but on the increase of the economic performance of fast-growing companies and also continue to focus. United investors is at the heart of a very promising development”, so Bruhn. A participation in the German S & K is 10,000 euros plus five percent agio possible property no. 2.0. The agreed interest rate allows an annual payment to the investors by 12 per cent and a tiered bonus interest at the end of the planned fund maturity in 2016. It aims at this time through the trade with real estates, to realize a high total return through the achievement of a high rental yield, as well as through participation in companies.

As is apparent from the prospectus. are likely to have distribution costs been significantly higher than 15%. At a such high Commission, also non-bound Bank advisors and intermediaries have to enlighten this unasked, clearly indicate the conflict of interest to investors. Banks and savings banks must disclose independent commissions flowing to them within the framework of the consultation the Kickback case-law of the Bundesgerichtshof of the amount of sales. Also on the very high with the HCI shipping select 27 proportion of so-called soft costs, so those costs not directly flowing into the ship holdings, would need to be informed explicitly. Still we noticed often that camps of HCI shipping select 27 as a safe investment has been recommended. Was concealed, that it is an entrepreneurial participation, which is fraught with many risks (such as loss of revenue, currency risks) that can go up to a total loss of deposits of investors.

The participation in the Fund of a ship is neither safe, suitable as pensions. Each of these Breaches of duty constitute taken to claims for damages against the distribution of the funds, so the investment advisor or the Advisory Bank or savings bank. Investors get back their deposit. Have you participated in the Fund of HCI shipping select 27 and were not informed by your advisor about the Kickback payments and risks of participation, we likes to enforce your claims. Nittel Banking and capital market law firm contact Mathias Nittel, lawyer specializing in banking and capital market law, Michael Minderjahn, lawyer Heidelberg: Hans-Bockler-Strasse 2 A, 69115 Heidelberg phone: 06221 915770 Fax: 06221 9157729 Munich: residential street 25, 80333 Munich Tel.: 089 25549850 Fax: 089 25549855

So there is, for example, a close cooperation with the LANXESS chemicals group. This suffers from the preceding aspect of the missing paragraph of car in Europe. As a leading manufacturer of rubber, the sales figures are significant considering the tepid demand for tyres, broken up. Plants were partially closed. The profit of the group is collapsed at the beginning of the year. The Outlook for the German economy are considered for the second half of the year with cautious optimism. Hikmet Ersek shines more light on the discussion.

The Centre for European Economic Research (ZEW) in Mannheim tells a barometer rises for the economy to 38.5 points. This is an increase of 2.1 meters. A minor revival – albeit tentative – is to be expected in the next six months. However, no mention can be of significant stimulus. The variety of the issues unresolved in the euro area will contribute to this situation. An important aspect of both the financial sector and the economy, is more monetary policy. Here, the focus is especially on the Fed Reserve and the European Central Bank (ECB).

Recently, the head of the Central Bank of the United States, Ben Bernanke, has expressed in this respect. Therefore remains the interest rate (up) 0.25 percent. The purchases of government bonds and mortgage securities are continued and will continue as a whole move amounting to a monthly $85 billion. Thus, there are fears a panning in the loose monetary policy of the fed from the table. For the time being of course. An important aspect for further direction will be as the U.S. labor market. Here, the numbers have risen. Unemployment currently stands at 7.6 percent. This is for the fed but noach no sign, for this reason to change current monetary policy. Different but, as one would approach the 6.5 percent. Suspicions had in recent times, the Fed would turn the interest rate screw or the bond purchases reduce, the bond market under pressure as with the result that resulted in sales of securities of in emerging markets.