Gold as an Investment – Tips for Gold Investors

If the financial meltdown of 2008 and the difficult years that followed taught us anything, it was that we need to take control of our own destinies when it comes to investments. Trust nobody and nothing, as even the most venerable of financial institutions can collapse under its own weight and that of a thousand investors, if the market is subjected to certain winds of change.
It also taught us a lesson that the world leaders and captains of industry from hundreds of years past knew very well – that whoever possesses gold and precious metals holds the most valuable cards.
Whether you are a seasoned investor or you are considering entering the gold market for the first time, here are some tips that you would do well to keep in mind.
Gold Investors

Gold means gold

There are those who talk about investing in gold but actually mean putting some money into ETFs, assuming they are “as good as gold” in terms of their value, butdo away with the need for physically owning gold bullion or coins. The trouble is, in an extreme scenario, these funds are as vulnerable as any other and you could end up possessing worthless sheets of paper.Most investors agree that if you are going to invest in gold, do it for real. You can purchase 1 oz gold bars here, along with other forms of gold and precious metals.

Stick to your plan

Gold might be quite different from stocks and shares, but it is still an investment. To convert it into profit, you need to follow a logical and coherent plan, just as you do if you are trading the Forex market or dabbling in Bitcoin.
Making refinements to your plan is fine, but don’t commit to wholesale changes on the basis of a sudden rise or fall in market condition. Gold is a long-term investment, and like anything else, it sees fluctuations on a day to day basis. Let it ride them out, and assess progress on a weekly or even monthly basis to get a true indication of how your investment is performing.

Protect your investment

Physical gold is a beautiful thing to own and enjoy. It is also imperishable, and can withstand extreme conditions. That doesn’t mean you don’t have to look after it, however. Keep your gold properly stored and secure, and if you are holding it at home, look into any reporting obligations you might have on your home insurance schedule. If in doubt, disclosure is always the safest option.

Diversify

Gold serves as a perfect hedge against market uncertainty. As such, it is important to get the right amount in your investment portfolio. Of course, we all know diversity is the key to risk mitigation, so there is a school of thought that keeping it as low as possible, and even diversifying with other precious metals such as silver and palladium makes sense. At any rate, a holding of 10 to 15 percent of your overall investment portfolio in gold is usually seen as ideal.

How to Act on Volatility in Forex Trading

Volatile markets create trade setups, so you need to act fast when the opportunities arise. The Forex market is no different – Forex traders live on volatility. Still, many traders miss on this rapid and rewarding market movement by following very liquid currency pairs and ignoring important forex economic calendar events.
In addition, be prepared to trade wherever you’re – markets don’t sleep and neither should you. By using a trading software which runs on all computers, such as the MetaTrader5 web trading platform, you’ll be able to act fast and catch the price movement as soon as the volatility appears.
In this article, we’ll show you a few simple tips to stay ahead of volatile price movements which can be easily applied to your everyday trading.

Include Cross-Pairs and Exotics in Your Trading

If you follow the online Forex trading community, you may have noticed that a lot of attention is placed on the major pairs, which include the US dollar as either the base or counter-currency. Cross-pairs (which consist of two major currencies but exclude the US dollar) are relatively less discussed, and you won’t be able to find a lot of reference to exotic currencies.
The problem with this approach is that majors are usually significantly less volatile than cross-pairs and exotics. The reason for this lies in their liquidity – the more liquid a pair is, the more buyers and sellers are waiting to jump into the market at any given price-level, which in turn turns volatility down. Let’s take EUR/USD for example. Theworld’s most liquid currency pair hadan average daily volatility of only 75 pips in the beginning of 2018. Compare this to the average volatility of GBP/JPY (a cross-pair) of 218 pips, or that of USD/TRY (Turkish lira) which reached 377 pips, and you’ll see the difference.
By including cross-pairs and even exotic currencies in your trading, you’ll find that their volatility increases your profit potential significantly. However, pay attention to your risk tolerance – volatility may easily go against you as well.

Make Sure to Have Access to the Markets

How many times did you open a chart and missed a spike in the price? This is especially true in times of major news releases when the price can easily jump dozens or even hundreds of pips up or down. If you find a possible trading opportunity based on volatility, you need to act fast and enter the market as soon as possible. In case you’re not in front of your trading desk, you can use a web-trader such as the MetaTrader 5 Web Trading Platform. A web trading platform can be fired up on any computer with a web-browser, so you won’t miss any trades even when on the go.

Follow Major Calendar Events

By following Forex economic calendar events, you’ll be able to stay up-to-date on all major developments and reports in the market. And as we said above, those reports can generate many trading opportunities of which you otherwise wouldn’t be aware of. Each morning, scan the economic calendar for upcoming events that may impact your open positions. And if the actual release unleashes enough volatility to break major technical levels, fire up your trading desk and be prepared for the upcoming price-action.

What Types of Loans Should You Consider?

There are many different types of loans available to you, with everything from low-interest, long-term loans for large purchases to high-interest, short-term loans designed to get you by for a week or two. Knowing which loans to take out at what time is part of being a savvy financial planner.
Some loans can actually be very helpful, especially if you’re trying to make a large purchase like a home or car. Still, it’s important to sort through these loans carefully because you want to find the loan with the best APR and other terms for your needs. Here is some helpful advice.

Payday Loans

If there is one type of loan you should stay away from, it’s the dreaded payday loan. These loans come with a high interest rate and must be paid back in a short period of time. They can be helpful if you absolutely need money right now but won’t be getting paid for another week or two, but they can also leave you in a vicious cycle of borrowing more than you have and downsizing each paycheck.
As an alternative to taking out a payday loan, consider borrowing money from friends or family or talking to a local bank or credit union. If you absolutely must have money for bills before your next paycheck and a payday loan is your only option for getting it, make sure you pay it back as soon as possible to avoid additional interest charges.

Auto Loans

The best loans to take out are those which allow you to purchase something you couldn’t otherwise purchase. Larger loans like this often come with a long term and a low interest rate, and auto loans are a prime example. While purchasing an older used car for a few thousand is a good option for many drivers, taking out a good auto loan is the only way to go if you’re buying something a bit more expensive—especially if you’re considering purchasing a brand new car.
Auto loans generally have low interest rates and allow you to pay off your car over a period of several years. This gives you the flexibility to shop for the car you want without feeling too guilty about spending a fortune on interest or not quite being able to afford it. To make things even easier on yourself, you can even use an auto loan calculator to simulate various loans and determine how much you would owe in interest.

Home Loans

As is the case with auto loans, home loans offer comparatively low interest rates over a long term period. In fact, you can take out a loan to buy a home and pay it off over the next 20 or 30 years. This gives you tons of flexibility financially, and it’s generally the preferred method for buying a home. Keep in mind that you will have to satisfy certain requirements to take out a loan, including proving that you have a certain amount of income and making a down payment on the loan.
The biggest thing to worry about when it comes to buying a home is the changing market. As various parts of the US economy change, so does the market for real estate. Sometimes houses are selling for more than they should, sometimes less. The trick is to try to buy your home when prices are relatively low, that way you can resell your home without losing tons of money.

Student Loans

Student loans are one of the most common types of loans available. These are very special loans with extremely low interest rates, plus they can be paid back over a number of years. For most college students today, student loans are the only way to afford school until a better career is on the horizon.
There is no problem with taking out student loans to pursue a career you’re interested in. As long as you’re going to have steady income which you can use to pay the loan back, a student loan is a good investment in yourself.
Loans aren’t the most complicated thing in the world, but they can be a bit tricky. As long as you follow this basic guide, you should be a successful borrower.

4 Ways for Investing in Commercial Property Without Spending Millions

Why would you want to make a million dollar investment in commercial properties if you can make a less expensive investment? Real estate investors who are ignoring commercial properties for making an investment are actually missing a lot of opportunities, such as higher rental yields than can be earned in comparison to yields from residential properties.
Property Investment tips
Such opportunities are attractive for people who live off investment income, like retirees. But the problem is that most of the people believe that investing in commercial property is too much of hard work and also very expensive. But the truth is that there are ways to get into the commercial real estate investment without making an expensive investment. Let’s see how that can be done.

1- Australian Real Estate Investment Trust

One of the easiest ways to invest in commercial property in Australia without having to spend millions is to buy an Australian real estate investment trust, also known as A-REIT, or you can buy a real estate exchange traded fund (ETF) on the ASX. This way you only have to spend $500. But the problem is that the property investments that are listed on the ASX are always affected by the volatility of the share market because they are not direct real estate investments. However, you can get a direct exposure if you invest in unlisted funds. Doing so might not be as easy as it was with A-REITs and you will also have to outlay a larger sum of money, ranging from $10,000 to $50,000.

2- You Can Co-Invest with the Other Professionals

This is an option available for investors seeking out opportunities for making a passive investment in commercial property. You can seek out other professional investors and groups that have proven track records of sound dealings. This is one of the best ways of investing in commercial property because it gives the investors an ability to reduce the risk because you team up with some of the tested veterans.

3- Professional Advice

The chairman of Property Investment Professionals of Australia, Ben Kingsley, said commercial property investment is the domain of more sophisticated real estate investors. But he also said that small investors can also still benefit from the same commercial property investing if they really know what they’re doing. It means that small investors also have a chance of investing in commercial property if they seek the counsel of expert professionals. For further details, you can visit stamfordcapital.com.au.

4- Finding the Right Property

You can always buy a shop or an office directly often at a cost far less than the cost of a private or residential property. For that, you would have to hire an experienced lawyer who’s familiar with commercial real estate investment and commercial property leases.
If you invest in a commercial property through one of these ways, the chances are you will earn great profits. It’s because, with commercial leases, tenants have to make the property fit for their use and for that they have to add value to the property which benefits the landlord financially. Also, with commercial properties, the rental yields are high and the leases are longer.

Top Factors That Influence the Prices of Silver in the Market

Silver metal has always been in demand due to its unique characteristics. Investing in this precious metal also provides the investors with the opportunity to earn good profits. But the market value of silver tends to fluctuate quite often. Which means you may end up losing your investment if you don’t make smart decisions.
In order to secure your investment, you should know about the factors that influence its prices. By considering these factors, you can determine whether or not it’s in your interest to buy silver at any given time.
Prices of Silver in the Market
Let’s take a look at the factors that are responsible for the changing prices of silver in the market:

Economic Conditions

The economic conditions of any country impact the price of silver and other precious metals. Silver is commonly used in making jewellery and many other products.
When the economic conditions are good, people are more likely to show an interest in buying these products. On the other hand, during inflation, the demand of these luxury products tends to decrease. Therefore, the better the economic trends, the higher will be the value of the precious metals.

Demand and Supply

The ratio between demand and supply affects the value of silver metal like nothing else. The demand of silver has significantly increased during the past few years, whereas its supply has almost remained constant. Due to the increasing costs of mining, its supply has even reduced after 2011.
The more the difference between the demand and supply of silver, the higher is its value. So, you should look out for the information about the demand and supply of silver before making a buying decision.

Value of the Dollar

The value of dollar in the international market influences the value of silver. The stronger the currency, the lower the prices of silver will be.
If the dollar is strong, you can buy silver at low costs. But when the dollar loses its value, you can sell off the silver metal at a higher value. http://www.goldstackers.com.au is the right platform to buy silver metal.

Gold Prices

Gold is the primary factor that affects the value of all other precious metals, including silver, in the market. Although silver has a relatively smaller market, an increase or decrease in the value of gold affects the demand of silver.
For instance, if the environment is bearish, people are likely to lose their interest in investing in gold as well as silver. The prices of silver follow the trend of gold prices. So, if you keep an eye on the stock market, you can make profitable decisions.

Interest Rates

Not many people know that interest rates also affect the value of silver. Many investors buy silver as a long-term investment option. They prefer interest payments over their assets. But if the interest rates decrease, they are likely to sell off their shares. This practice tends to lower the value of silver.
Now that you know the factors due to which the prices of silver are so volatile, you should consider these factors when you want to invest in the precious metal.