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Investment or investing is a term with several
closely-related meanings in business management,
finance, and economics, related to saving or deferring
consumption. An asset is usually purchased, or
equivalently a deposit is made in a bank, in hopes
of getting a future return or interest from it.
The basic meaning of the term being an asset held
to have some recurring or capital gains. It is
an asset that is expected to give returns without
any work required on the asset.
PAST PERFORMANCE IS NOT A GUIDE TO FUTURE RETURNS. THE VALUE
OF INVESTMENTS AND THE INCOME FROM THEM CAN GO DOWN AS WELL
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Whether you are new to investing or highly experienced investor,
everyone has the same objective - getting the best investments
for their money. Whether it is a high-risk high return investment
or a guaranteed returns invesment you are searching for, Honest
Johnny can put you in touch with the right investment professionals
to best advise you with your decisions and allow you to compare
from a wide variety of potential investment opportunities.
Honest Johnny helps you search through thousands of investments
available in the UK and gives you access to the best investments
and investing opportunities that match your requirements. Honest
Johnny will introduce you to an FSA qualified advisor who will
gather your objectives and deliver to you a selection of investment
opportunities for you to consider without obligation. Our free
investment comparison service ultimately helps you realise
the best investments available to you to make informed decisions,
helping you build and grow your perfect investment portfolio.
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Should I Consider Investments?
Whilst investments can carry a certain degree of risk, there are
also the returns to consider. There are thousands of different
investment opportunities in the UK to choose from, many offer
guaranteed modest returns on investing your money over a long
period of time - this option is often ideal if you have surplus
cash available and you are looking for a pot of money to grow
that you can get access to at an agreed point in the future, as
perhaps a retirement fund. Some other investments are much more
short-term but carry a far higher level of risk; this typical
investment would however see a much higher level of return on
your money because there is a higher level of risk involved. These
are really just two examples from both ends of the scale, in between
there are thousands of other exciting investments just waiting
for you to discover. Honest Johnny helps you discover all of these
great investment opportunities without any obligation
and allows you to choose and compare and invest in
those available that meet your investing objectives.
the Best Investment Providers Above
Details on Investments:
Investment or investing is a term with several closely-related
meanings in business management, finance, and economics,
related to saving or deferring consumption. An asset is
usually purchased, or equivalently a deposit is made in
a bank, in hopes of getting a future return or interest
from it. The basic meaning of the term being an asset held
to have some recurring or capital gains. It is an asset
that is expected to give returns without any work required
on the asset.
The term "investment" is used differently in economics
and in finance. Economists refer to a real investment (such
as a machine or a house), while financial economists refer to
a financial asset, such as money that is put into a bank account
or the market, which may then be used to buy a real asset.
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The investment decision is one of the fundamental decisions
of business management: managers determine the assets that the
business enterprise obtains. These assets may be physical, intangible
or financial. The manager must assess whether the net present
value of the investment to the enterprise is positive; the net
present value is calculated using the enterprise's marginal
cost of capital.
A business might invest with the goal of making profit. These
are marketable securities or passive investment. It might also
invest with the goal of controlling or influencing the operation
of the second company, the investee. These are called intercorporate,
long-term and strategic investments. Hence, a company can have
none, some or total control over the investee's strategic, operating,
investing and financing decisions.
In finance, investment equals cost of capital, like buying securities
or other monetary or paper (financial) assets in the money markets
or capital markets, or in fairly liquid real assets, such as
gold, real estate, or collectibles. Valuation is the method
for assessing whether a potential investment is worth its price.
Types of financial investments include shares, other equity
investment, and bonds. These financial assets are then expected
to provide income or positive future cash flows, and may increase
or decrease in value giving the investor capital gains or losses.
Investments are often made indirectly through intermediaries,
such as banks, mutual funds, pension funds, insurance companies,
collective investment schemes, and investment clubs. Though
their legal and procedural details differ, an intermediary generally
makes an investment using money from many individuals, each
of whom receives a claim on the intermediary.
Within personal finance, money used to purchase shares, put
in a collective investment scheme or used to buy any asset where
there is an element of capital risk is deemed an investment.
Saving within personal finance refers to money put aside, normally
on a regular basis. This distinction is important, as investment
risk can cause a capital loss when an investment is realized,
unlike savings where the more limited risk is cash devaluing
due to inflation.
In many instances the terms saving and investment are used interchangeably,
which confuses this distinction. For example many deposit accounts
are labeled as investment accounts by banks for marketing purposes.
Whether an asset is a saving(s) or an investment depends on
where the money is invested: if it is cash then it is savings,
if its value can fluctuate then it is investment.
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In real estate, investment is money used to purchase property
for the sole purpose of holding or leasing for income and where
there is an element of capital risk. Unlike other economic or
financial investment, real estate is purchased.
The most common form of real estate investment as it includes
the property purchased as other people's houses. In many cases
the Buyer does not have the full purchase price for a property
and must engage a lender such as a Bank, Finance company or Private
Lender. Herein the lender is the investor as only the lender stands
to gain returns from it. Different countries have their individual
normal lending levels, but usually they will fall into the range
of 70-90% of the purchase price. Against other types of real estate,
residential real estate is often classed as the least risky.
Commercial real estate
Commercial real estate is the owning of a small building or large
warehouse a company rents from so that it can conduct its business.
Due to the higher risk of Commercial real estate, lending levels
of banks and other lenders can be lower and often fall in the
range of 50-70%.
Source of Information: Wikipedia
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as advice. Please consult your IFA for advice.
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