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Hunting opportunities in times of crisis may be one of the most profitable exercises that you can make an investor, provided they make a good choice, follow a strict discipline to keep his composure and know to the high volatility experienced by markets.

However, in modern times is very difficult to find out where you can be the value. Heinrich Riehl, director of sales and business development for Europe, TCW, the Amundi manager specializing in U.S., explains how and where to find them.

Riehl believes there is potential for both fixed income and equities, but is very selective when choosing the type of assets. For example, right now the fund’s portfolio Amundi Funds U.S. Equity is overweight in technology and pharmaceutical while avoids exposure to telecommunications companies and “utilities”. However, it is also present in other sectors such as energy and to a lesser extent, consumer banking and insurance.
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There are three major categories of tax on savings income (you do not speak here of the wealth tax and taxes on transfer of property, addressed in the Heritage section ).

Social security contributions to finance social protection. In general all income from savings regardless of the type of investment are subject to an annual rate currently set at 13.5%. But there are notable exceptions: A Booklet, Booklet blue booklet Sustainable Development, book early, LEP, which are exempt.
The tax under the Income Tax.
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Given the global economic downturn and the puzzle that cause the sovereign debt of some European countries, the preferred strategy in 2012 is the preservation of capital, according to Sylvain Ratelle, vice president and strategist at Laurentian Bank Securities.

“As global economic growth will be smaller in 2012 than in 2011 and that the risks remain tilted to the downside, it would be preferable to adopt a conservative investment strategy,” said Sylvain Ratelle.

The strategist said that the main benchmark for global equity markets, the MSCI All Country World Index, expressed with a yield of -7.1% in 2011. For its part, the bond market has fared better with a yield of 9.6%. A portfolio divided equally between the two asset classes would have provided a total return of 1.2% over the past year.
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The two brokerage subsidiaries of the insurance fund of Quebec, and Fundex Investia, fined $ 100 000 each for a series of breaches of compliance. In inspections and competing Fundex Investia, conducted by the Association of Mutual Fund Dealers Association of Canada (MFDA, MFDA), the self-regulatory organization has identified a series of irregularities spread over several years.

In the case of Investia, the MFDA alleges that excessive supervision inadéqate transactions (churning) obtained in 2008, had still not been corrected during the inspection in 2009. Although it has committed to establish a monthly SURVEILLANCE these transactions in 2008 Investia ceased to do so after two months.
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Sherry Cooper, chief economist at BMO, is not as alarmist as the Bank of Canada and many observers about the Canadian real estate market and household debt. She said the housing market is more likely to slow a correction.

“With the exception of some areas, assessments are only moderately elevated in the country, especially in light of low interest rates, demographics, construction costs and the influx of foreign capital,” says Ms. Cooper.

Triggers a bubble

According to Sherry Cooper, the low interest rates should maintain accessibility for some time, to allow income to catch up with high prices and restore the appropriate assessments.
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In 2011, the savings rate of French households was close to 17% (the savings rate is the ratio of savings and disposable income of a household). The French are more ants and it did not start rising concerns about the future. It is a traditionally strong trend. Between 1961 and 1973, the average savings was 17.9%. He even almost 20% in 1978. He then fell sharply until 1987 (11%), before rising steadily around 16% in 1993 and stabilize in the last decade.

Comparisons with the rest of the world
The household savings rate is among the French of the highest in Europe, with Germany (16.1%), Holland (17.2%) and Italy (18%). In contrast, Finland (8.4%), Portugal (11.2%), Spain (12%) and Austria (12.9%) have a lower level of savings. Our Anglo-Saxon neighbors are saving even less, about 5%, but the prize goes to the United States where the savings rate is almost zero (2%). Read the rest of this entry »

Investing looking at short-term past performance has never been a good strategy.

A friend of mine said the other day that your financial institution had advised him to buy a bond fund linked to inflation. The recommendation did not surprise me too much. Some funds in this category last year have achieved double-digit returns. Not bad for a bond fund. In early 2011 anyone anticipated these returns for such funds, taking into account the low level of interest rates that existed at the time and sovereign debt problems affecting (and which continue to affect) the major developed economies.
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RBC Global Asset Management announces changes to RBC Private U.S. Growth and RBC RBC Private Canadian Growth and Income RBC.

RBC seeks to replace the sub-advisor for RBC Private U.S. Growth RBC. Aletheia Research and Management will continue to perform that function until a new sub-advisor is chosen. RBC will continue to oversee the investment management of the portfolio to ensure a smooth transition.
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Selfbank online bank is formed by La Caixa and Boursorama, the latter belongs to the group Société Générale. Selfbank has an experience of 15 years that has been offering a wide variety of products such as checking, interest-bearing account, payroll account, debit and credit cards, stock accounts, mutual funds, pension plans, deposits and mortgages.

If you are interested in investment funds through Selfbank you can choose from over 1500 funds, which themselves undertake to inform each of them with great objectivity, without trying to sell you any because it is important that you be who choose the safest possible.
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Conservative investors are in luck. The new offerings in the area of collective investment are almost entirely directed at them. The national managers hardly dare to risk assets.

Bankinter has launched the marketing of a new investment fund guaranteed bonds, called Bankinter Guaranteed Fixed Income 2. The product guarantees, in a period of two years (until February 1, 2014), 100 percent of net asset value per share as at January 24, 2012, plus a coupon to maturity of 7.85 percent ( this represents a 3.80 percent APR). The fund will invest in a portfolio of bonds issued or guaranteed by public issuers and corporate bonds with similar maturity to the time horizon of the fund.
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