Tips For Investing For The Long Term

You have several options when it comes to choosing the your top long-term investments. Your choice depends on several factors like exactly how much you can afford to invest, what type of returns you are looking for and how long is long-term for you. But the most important thing to keep in mind is that you should invest in markets with which you are familiar. For instance you should understand how to invest in real estate before you opt for this market and not just jump in because everybody is saying that it is a good opportunity. The same holds true for any other investments.

Most people are attracted by the notion of a quick profit, but at least a part of your portfolio must include some long-term investments. You must be pragmatic about this. As your age increases, your income potential is likely to fall. Long-term investments will give you financial freedom after retirement. Whether it is medical expense or fulfilling a long cherished dream, you will be able to decide for yourself if you have made wise investments.

There are some negative sides to even the best long-term investments. When you have made an investment, your money is also blocked for a long time and you will not be able to access it before your investment matures. Apart from this, long-term market trends cannot always be predicted correctly. If your investment performs poorly, you are liable to lose all your money.

However, that is a common risk of every type of investment. Since we do not know what will be the condition of social security or Medicare in the future, it is safer to choose longer term investments.

There are many different avenues of investments. These include stocks, bonds, real estate, funds and precious metals. It is difficult to decide which of these would be the best long-term investments.

So, the golden rule of investment is that never invest in anything which you do not understand. Real estate is often a viable option, especially if you can locate a property with a lot of potential and can afford to buy it. You can remodel it and sell it for a profit. Renting can be quite lucrative depending upon the location of the property. It is recommended that real estate form at least a part of your long-term investment.

Stocks are another option, but except for certain well established companies, they are not a good bet for longer term investments. Bonds are generally less risky. Most experts recommend that precious metals like gold form a part of your long-term investment because it is the best available store of value.

Whichever option seems the best investment for you, you should follow a few ground rules. You need to be systematic about your investments. A good rule of thumb is to keep aside about 15% of your pay-check for investments each month. Finally, be careful when choosing your stockbroker or mortgage company so that your investment remains in safe hands.

How To Get Your Apartment Investing Done For You

Investing in apartment buildings is a business and it does take time, work and education on your part, but those efforts can result into huge success and help you reach your goals. That being said, many investors will still not take action for one reason or another, one of those main reasons is time. The reasons why most investors select traditional investments are because they are hassle free, they are quick to get into and they take minimal time. Reading this book, you now understand that apartments and commercial investment real estate is the way to achieving high returns and creating additional income streams. However, how do you counter the time issue?

This article is for those who have the desire and motivation to invest and own apartments, but would rather be as passive as possible while receiving all of the benefits of an active owner. The best way to be an owner of large portions of commercial real estate, without having to do the work yourself, is by investing in a private investment fund or a managed joint venture. These investment structures are put together by an individual or an entity referred to as a syndicator.

WHAT IS A SYNDICATOR?

A syndicator is an individual or entity that structures real estate ventures for qualified participants to invest in. Multiple investors can invest a portion of capital in a venture or property over what they normally would if they invested themselves. These investors, along with the syndicator who formed the venture, can partake in the benefits associated with the investment. Here are some of the benefits:

1) High returns, as previously compared to traditional investments, investment funds can offer good returns on investment.

2) You are building equity in larger commercial properties which will result into higher payoffs when the property sells.

3) You do not have to guaranty the debt that the fund purchases, what you typically do when buying investment real estate yourself.

4) Management and systems are in place for property management, accounting, legal and reporting; providing a true done for you program.

5) The management team is an expert in the field and you get to take advantage of their experience.

6) You can use your IRA to invest and grow your money tax free.

ROLE OF THE SYNDICATOR

The role of the syndicator is very simple; they do all the work, so you do not have to. In this book we covered specific steps to locate, acquire, finance, manage and sell apartment properties. We realize that it does take work and effort on your part to do. Working with a syndicator eliminates that. Along with all the steps necessary to acquire good apartment and commercial property investments, your involvement in the whole process is to receive your monthly cash flow checks and your owners report statement. The syndicator should provide a program that gives you the ease and comfort of how traditional investments operate. This includes providing you with the support on ways how to invest your IRA/401K.

The syndicator does his or her homework and makes sure they present quality, good return project. They work only with experienced, highly competent professionals, such as attorneys, accountants, insurance agents, contractors and advisors. The syndicator should also comply with the rules and regulations of the Securities and Exchange Commission (SEC). A syndicator should only be marketing and working with qualified accredited investors.

QUALIFICATIONS OF THE SYNDICATOR

The syndicator should have extensive experience in putting together successful ventures and have a record of those accomplishments. The syndicator of team members of the entity should have a good standing reputation and be highly educated in the syndication process. The team of professionals should also be highly qualified and should be able to provide a track record of success or experience. There are a lot of syndication groups out there, but appear to be smoke and mirrors. Anyone can put together fancy marketing materials and offering material, but may not have the expertise or experience to put together a sound venture. Be sure to check the qualifications of the syndicator and the project they are marketing. The information presented to you should be easy to understand, giving you a clear picture on the quality of the investment.

REQUIREMENTS FOR INVESTING IN REAL ESTATE FUNDS AND JOINT VENTURES

Private real estate funds are not suitable for all investors. Since real estate funds are not registered with the Securities and Exchange Commission (SEC), fund managers can only offer or sell ownership in a fund to certain types of investors. These investors are referred to as “accredited investor” or “qualified purchaser”. If you are considering being an investor for a fund, you are required to meet a minimum financial eligibility guideline in order to invest. To be eligible, you must have an individual or joint net worth of $1 million dollars or an individual annual income of at least $200,000. If you are a couple, looking to invest, there needs to be a combined annual income of minimum $300,000 for past two calendar years. Before you even think about investing into any fund, make sure to review your financial situation, your goals and objectives and your risk tolerance with your financial professional.

CLOSING

Real estate investment funds and joint ventures are a great way to be the owner of apartment and commercial investment property. These ventures allow you to have your money work for you, without any effort on your part. There are risks involved with every investment, so make sure to work with a syndicator that is experienced and presents sound projects that yield attractive returns that meet your investment objectives.

We are seeing an unprecedented opportunity for investors to earn high returns and significant benefits through the ownership of Apartment Investment real estate. If you enjoyed this article and would like to learn more about investing in apartments you can watch a FREE, No Obligation Webinar explaining the benefits of owning Apartment Investment Real Estate in further detail register here: Investing Done For You

4 Wine Investing Tips

Simple in theory – purchase sought wine and resell it later at a profit – yet a bit more complicated in practice, wine investing is not for everyone. Investments in wine can be highly profitable, return investments having increased by 269% from 2005 to 2010, yet only if done right. And do to things right you need to be a lover of wines yourself, to know the market, to have connections, in short, to know what you are doing. Here are some tips for starters.

Invest the Right Amount and Be Patient

To earn significantly from your investments in wine you’ll have to invest thousands of pounds. Yet you can get nice returns on your investments even when you put in less money. You have to be realistic though. A thousand-pound investment, well placed in demanded bottles, may bring you twice or thrice as much, but only in a few years. The returns on wine investments are significant, but they usually come slower than with other types of investments.

Don’t Bother If You Don’t Like Wine

A good wine investor is savvy about wines, necessarily a connoisseur. Not being passionate about the drink yourself means that you won’t probably take the trouble to keep up with the latest developments in the industry, the harvest predictions, the most sought bottles and so on. What’s more, if you love wines you always have something to fall back on if the investment doesn’t work: drink the wine yourself.

Investing On Your Own Is Hard

Starting a new investment is always difficult, and especially when it comes to wine. As already said, knowing about fine wines is imperative to making money out of wine investments, and being all by yourself in the beginning, when it’s the hardest, is challenging. Your partner or partners don’t have to be necessarily wine experts – they just need to have the pocket and willingness to invest. Remember though that there is always an alternative when you’re on your own: wine investment funds.

Be Ready to Pay For More Than Bottles

One of the most costly things about wine investing is storage. Fine wine must be kept in ideal storing conditions if it is to mature, realizing its full potential. What’s more, there are transport costs to consider, especially if you don’t live in mainland Europe. The best wines for investments are usually produced in France, and if you want to sell them elsewhere, which is likely, you’ll need to support additional transport costs.

Finally, when first starting your wine investing, consider well your investment options, and whether investment funds or trusts are not safer until you become familiar with the market and its players.

Should I Invest In Contemporary Art, Gold, or Fine Wine?

It’s not easy to decide whether you should invest in contemporary art, gold, or fine, especially if you’re just starting. Ideally, it’s a good idea to have an investment portfolio as diverse as possible, yet that’s also hard to do when first starting.

Invest in Gold If You Want to Protect Your Assets

Generally, investments in gold are not thought to have that much potential to bring in loads of money right away, but are rather regarded as ideal investments for protecting your possessions. Gold has been, is, and will continue to be for years to come highly valuable. So individuals wishing to withstand economic turmoil can convert their assets into gold, knowing that the price of the precious metal is unlikely to decrease substantially. Gold is considered a fairly safe investment, its value being constantly on the rise, as demand grows and production dwindles.
Invest in gold especially if you have a large quantity of highly valuable assets whose future value is doubtful.

Invest in Contemporary Art If You Want Both Protection And Revenues

Alongside fine wine investments, contemporary art investments are one of the most tricky to pull of. Yet they can be highly rewarding, not only financially, but also spiritually. The thing is you have to enjoy art, and to have an eye that spots good art, the only one which is worth investing in. To invest in contemporary art you do need money, yet comparatively less than with other types of investment, say gold for example. The wonderful thing about art investments is that you can make a lot of money from a piece which you have previously purchased at a bargain. Of course this is easier said than done. Ultimately, having a knack for art is a must if you want to invest in contemporary art profitably.

Invest in Fine Wine if You Are Willing At Any Moment To Drink Your Wine

Generally safe and profitable, fine wine investments are increasingly popular especially in the UK. The revenues from such investments have almost tripled between 2005 and 2010, indicating a healthy market mostly unaffected by the economic downturn. Yet fine wine investing is not easy to carry out: it requires a deep knowledge of wine makers and their bottles, buyers, traders, and insiders. You can invest in fine wine with fewer risks than in most other types of alternative investments, but this only if you’re a wine lover who will be just as happy drinking his own fine wine as selling it (in case the investment goes bad).