PLANNING YOUR INVESTMENT

Wise investment does not depend on luck, but is the result of careful planning.
When you invest, you can not rely on rumors.
You need to take some time to understand the market, whether through research
or the services of experts. Here are some issues you need to know:
Step 1: Know why you want to invest
Before you invest, you need to know your investment objectives, goals and objectives of your finances.
Your financial goals may be to:
• Buying a car
• Buying a house
• Send your children to higher education
• Go on holiday
• To plan a comfortable retirement for the future
Your investment objectives are either to:
• Maintain or preserve the purchasing power of the principal amount invested
• Getting income from your investment
• Increase your net asset value
• Combination of any of the above
Step 2: Know the key issues to consider when investing
As investments are long-term commitments, you have to take into account the ability and
your ability to invest before you make the investment. Among the key issues that need to be
considered are as follows:
• How much money do you have for the medium and long-term commitment?
• Do you fully understand the product that you are investing?
• Are the planned investment in line with your overall portfolio?
• Have you compared the returns of other similar investments?
• Do you understand the risks involved and do you know the level of losses
you bear? (Ie how much changes in the price / value of your investments can
bear)
• What are your expectations for returns from your investments? (Ie how much
returns that will satisfy you)
• How long are you investing? (For example, 5 years, 10 years, etc..)
• Do you have the flexibility to liquidate your investment in the
emergency?
• How can you monitor the performance of your investments over
with your changing needs?
Step 3: Know the concepts of investing
Diversification
A proven strategy for successful investing is diversification - diversification
your investment. Diversification is an effective way to minimize risk and
protect you from volatility in one asset class or industry.
Different types of investments are exposed to different levels of risk and diversification,
losses in some investments can be offset by other investment gains.
Time value of money
Time is the greatest asset for anyone who wants to invest. The earlier you invest, the greater
return on your money. This is due to the concept of compound interest you
will earn on your original investment and the interest you earn on investments
you.
Despite the differences one percentage point in long-term effects can be significant.
The chart below shows how the investment of $1, 000 at different rates of return
will grow over a period of 40 years.

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INVEST YOUR MONEY

INTRODUCTION

Investment is part of your overall financial planning. if you

have some savings, you may want to invest to maximize returns. booklet

aims to give you some guidance on what to consider before you

invest and things to do and to be avoided when investing.

THE DIFFERENCE BETWEEN THE SAVINGS INVESTMENT

Investments are different from savings. In storage, in general you get back

your storage, mixed benefits.

However, in an investment, you may or may not get back the amount

invested or you may get more than the initial amount of investment. The potential for a

This higher return is a reward for the higher risk you have taken.

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Physical Gold Invesment Stork Play Not Like

Assalamulaikum and welcome vgmc brunei, masih many friend who are confusedabout the physical gold investment is thought to have physical gold investment as mainshareholders ( who are with the klse ) it is copceptually the same , there is sale and purchase but different period of time at ( except gold passbook at hsbc bank.

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A large number of returns shareholders can

PERSONS who pioneered the share ownership schemes Virgin Gold Mining Corporation (VGMC) in Singapore since March last year, Haji Abdul Rahim Abdul Jalil, claimed that the majority of the shareholders of 3.000 in the region have received higher returns through dividends respectively.
He said that since the scheme was introduced, the range of shareholders continue to spread to Malaysia, Indonesia, Brunei, Philippines, Thailand, Hong Kong, London and several other countries.
According to him, from the shareholders of 3.000, 1.000 are Singaporeans, with around 70 per cent of the Malays / Muslims.
'Many people think VGMC is an investment scheme. Those who participate actually owns the shares rather than investors.
"Those who join are on their own volition, and only those who wish to participate must be referred by the previous shareholders.
"Shareholders are also given incentives, 10 percent of the cash value of the shares of the new shareholders. That's all, not a chain, such as multi-level or MLM scheme, "said Haji Rahim again.
He found New Straits Times yesterday at the office of a firm in Joo Chiat Complex, where shareholders are often met, especially for information sessions for prospective shareholders.
Touching on the market VGMC pelibatannya after meeting with an acquaintance from Malaysia in March last year, Haji Rahim said: "At first I was skeptical like everyone else because I lot of scams happening here.
"I do research and background VGMC and found no validity. I tried to buy 1,000 shares at a price 80 U.S. cents (90 Singapore cents) per share in April last year and found so profitable.
"My wife and I have offered too much cake. It is delicious and tasty. We wondered why we do not share this cake with the public. Those who ate the cake found it larger and larger.
'Group I more and more to around 3,000 now.'
On the dividend, he said given shareholders a dividend of 0.1 ounces of gold per month for each 1,000 shares held.
Price per unit VGMC shares was U.S. $ 1.25 ($ 1,625) yesterday, or U.S. $ 1.250 for 1,000 shares.
For shareholders who own 10,000 shares, dividend earned is 1 ounce of gold per month, said Haji Rahim.
He added, say an ounce gold price of U.S. $ 1.700, shareholders can change and take a cash dividend of $ 2.210 per month through account at their bank.
'Not true all shareholders get a dividend from 14 to 17 percent per month as reported.This is because the gold price volatility in the market. If the gold price rises, higher cash dividends earned and vice versa, "he said.
Haji Rahim proud because, he said, has many shareholders, consisting of retirees, vendors, former teacher and teacher, just break even in three to six months of receipt of dividend yield.
'There are housewives who earn $ 10,000 a month from dividends received. There is a cab driver who bought shares worth $ 120,000 and earn $ 18,000 a month, "he claimed.
"But this is not a get rich quick scheme. Rather, they are able to increase their income. It is not without risk VGMC scheme and therefore I advised shareholders to remove the dividend each month as a precautionary measure, "he added.

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