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Posts Tagged ‘Characteristics’

Where to hide then index funds in your contract of life insurance? As detailed in previous articles, index funds are the best carriers to invest regularly and faithfully reproduce the performance of a stock market at lower cost. The best way to get the 10% per year over the long term scholarships in industrialized countries, for example. On most life insurance contracts multi-media, they are hard to find when they are present. After many comments on the blog who testified, I noted to write an article on the subject. Frederick, the blog reader whom I thank, sent me an email asking me how to find index funds on the contract Boursorama Life. A good opportunity to give you a concrete example, to apply on your own life insurance contract.
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Matrix Fund Management launches equity fund high-dividend of Canadian companies. This is the “first product receiving the license for the Dow Jones Canada 50 High Dividend in Canada,” according to Matrix.

High Dividend Fund Dow Jones Canada 50 Matrix (Corporate Class) is designed to replicate the returns and characteristics of the new Dow Jones Canada 50 High Dividend. This includes shares of companies complying with high-dividend four quality factors related to core values, using the method of the composite average. “This very interesting strategy focuses on income trusts current and past,” said David Levi, President and CEO.
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1 .- Definition

As its name suggests is an insurance product designed to ensure a capital or an income upon retirement of the incumbent. So we are talking about a very long-term operation.

2 .- Characteristics

While it is a product very similar to insurance savings, which sometimes are confused, has a number of features that make it very different from the savings insurance.  Read the rest of this entry »

iPod, iPhone, ebooks … financial institutions and insurance become a veritable bazaar with latest design technology in this part of the year. Is your goal? Attract customers to their pension plans to offer gifts in exchange for more pointers. Incentives are seductive, but do not be captivated only by his dramatic power. Be sure to check the attractiveness purely financial.

Banking, such as trade, increasingly more seasonal trends anticipated. With the birth of pension plans, beat fashion with momentum advertise their products especially in the month of December, for taxpayers to hurry to the end to do their tax calculations. Today, the urgent need to attract resources, in the middle of October makes the windows are full of the new offerings. Their bias is closely related to what the supermarkets sell this Christmas: the latest technology promotions flooding insurance and financial institutions. But remember, we should not get carried away by the gift. Beyond the commercial, ask for purely financial characteristics of their plan.
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Guaranteed Funds:

a) Characteristics

• Ensure the principal of the investment or a percentage (90% of investment) and a variable or fixed return.
• It is semi-open funds, recruitment should be done at a fixed time, so do not accrue hefty commissions or lose the character of guarantee, if the index-linked funds or set of indices.
• For the refund during the warranty period is usually earn hefty commissions.
• Liquidity is limited during the warranty period.

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What documentation must I have before making the investment?

To choose the most suitable background for the level of risk we are willing to take, and to explain the operation and type of investments made by the manager must request the following documents:

a) Management Regulations , this document lays down the characteristics in terms of commissions and investment philosophy that made ​​the manager. So this paper reports on the type of assets in which it invests, the average life of the portfolio, and so on.

b) Latest Annual Report , this document describes the evolution of the assets and net asset value of the fund during the last year so we can compare their performance and development with the remaining funds to be integrated into the same category.
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The index-linked bonds seem to be the panacea for all, because their interest is constantly adapting to new market conditions. But the critical feature that you should know.

When it comes to indexing refers to a bond or a government bond that pays its own interests (and possibly the principal at maturity) based on the performance of a simple parameter or financial index such as, for example, the Euribor, or the ‘index of consumer prices. After examining each of the two main types of indexing, we will go in depth on their flaws and potential risks.
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At the forex market is one of the largest and most liquid markets in the world. One way to invest in the forex market, currency certificates.

Characteristics of Currency Certificates

Currency certificates are largely independent of developments in the stock, bond and commodity markets. Therefore, foreign investors can be a useful addition depot. Currencies may be the most liquid asset class, but also subject to the strongest fluctuations. Change as well as the prices of securities, foreign exchange rates constantly – in trade circles say that they are very volatile.

The index or the price of a currency certificate is influenced both by the rate as well as the development of the exchange rate.
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Express Certificates are increasingly popular, because with them it is not important how far the underlying base value increases, but only if he held until a certain date at all increases.

If the price of the underlying at the date of a certain level, the investor receives the face value of the Express certificate plus a specific surcharge paid.

If the price of the underlying is below the minimum mark, the Express certificate is extended for another year, but it is often double the premium paid.
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AS funds, colloquially referred to as pension funds, are a special category of funds under the 3rd Financial Market Promotion Act were developed specifically for the protection of pension and retirement.

By law, these funds invest mainly in equities and real estate and To decrease by savings plan be integrated and have a withdrawal plan for later disbursement.

It must have the following characteristics must be met:

• Investment of at least 51% of its assets in stocks or real estate values
• Equity share at least 21% but not more than 75%
• Share of real estate values ​​up 30%
• At least 70% of fund assets must be invested in the local currency (to avoid excessive currency risks) Read the rest of this entry »