High Yield Investment

Finding a legitimate high yield investment will take diligence, research, and, perhaps, a dose of recklessness. All investments typically fall somewhere on a risk/reward spectrum. One end of this spectrum can be labeled low risk/low reward and the other end can be labeled high end/high reward. Perhaps the safest place to invest money is in a savings account. But as account holders know, the interest rate on savings account is typically one to three percent. Certificates of deposit (CDs) also are considered safe investments and will probably earn a slightly higher interest rate than savings accounts. Stocks and bonds, depending on the particular company and other economic and political factors, are scattered throughout the spectrum. The stocks of well-known and long-established companies are known as blue chips because of their (relatively) reliable track record. Nearer the opposite end are penny stocks. These risky upstarts may or may not provide the high rewards that their investors are hoping to receive. Also at this end of the spectrum are high yield investment products such as junk bonds, currency futures, and too-good-to-be-true opportunities.

Individuals are advised by financial experts consider their own personal economic situations, tolerance for risk, and monetary goals when making investing decisions. Younger people have a long time horizon for saving for retirement and can afford to invest in relatively high yield investment products. This means looking for mutual funds with a historic record of more than ten percent. Higher returns on investment (ROI) means additional risk, but younger people have the time to make up losses. Someone who is planning to retire in a few years will want to move money into safer products even though at a lower ROI. For other economic goals, such as purchasing a home or college savings, experts often offer this general rule: money for short-term financial goals, to be used in five years or less, should be kept in safer, low-risk products. But money for long term financial goals can be invested in riskier products that, over time, will return higher yields than savings accounts and certificates of deposit.

When people talk about a high yield investment program, they usually aren't thinking in terms of a fifteen to twenty percent annual return. Instead, these speculators are looking for gains as high as three percent a day or fifty percent a month. Unfortunately, the vast majority of these so-called opportunities (which are popular enough to have an acronym HYIP), are scams that take advantage of gullible people. Instead of being tempted by get-rich-quick schemes, potential investors should heed the words of King Solomon: "A faithful man shall abound with blessings: but he that maketh haste to be rich shall not be innocent. . . . He that hasteth to be rich hath an evil eye, and considereth not that poverty shall come upon him" (Proverbs 28:20, 22). These verses tell the consequence for speculating in too-good schemes. Instead of untold wealth, most people who hand over money to these hucksters end up much poorer. About the only ones to make money from a high yield investment program are the slick talkers who convince others to give them money for a so-called sure thing.

The HYIP industry thrives, despite the illegalities that occur, because the ones who lose money are often too embarrassed to contact authorities. Additionally, victims may have persuaded family members and friends to "invest" in the "sure-thing opportunity." The unsavory characters perpetrating the scam will, at times, use intimidation tactics when victims threaten to expose the fraudulent scheme. The victimized individuals may fear being prosecuted for participating in the fraud. Despite the embarrassment and fear, however, financial experts and law enforcement officials encourage victims of high yield investment fraud to contact local authorities, the FBI, or the complaint center at the Securities and Exchange Commission (SEC). Though the victim probably won't recover the lost "investment," she may help prevent others from being victimized. The scams continue for another reason human nature. Individuals become victims because they want to believe the outlandish tales of offshore banking loopholes and secret international banking rules. But the primary rule of investing is this one: if something sounds too good to be true, it's not true.

On the low risk/low reward high risk/high reward spectrum, high yield investment products are as far removed from simple savings accounts as the east is from the west. Too many legitimate investing opportunities exist to risk money on a possibly illegal HYIP. To protect themselves, potential investors are advised to thoroughly check out companies before buying stocks or bonds. Important and relevant information on publicly traded companies can be found at the Securities and Exchange Commission's website. Instead of buying specific stocks or bonds, however, many experts suggest that investors put money into mutual funds. This way, the portfolio is diversified through ownership of shares in several companies. Individuals should never let themselves be rushed into making financial decisions, but should take time to understand the investments that are selected for their portfolios. If there is a place for a high yield investment in one's portfolio, then that individual should research the possibility of purchasing penny stocks or junk bonds. However, these purchases should be a small percentage of the complete portfolio and should be closely monitored for losses. HYIPs, though heavily promoted on internet sites, should be completely avoided. The promises of riches may be tempting, but risk of participating in an illegal scam isn't worth any reward.

Where To Buy Gold

An investor can buy gold bullion online through discount or retail companies that offer bars and coins for the discriminating consumer. Owning precious metals such as silver, gold and platinum has been a mark of good investing by companies and individuals that want to invest in an asset that does not lose its value and that carries very little financial risk compared to most investments. Before investing, it is important to know why the metal is a good investment, where to buy gold and how to purchase it. The World Gold Council offers a list of companies that sell precious earth elements, but it's always wise to thoroughly check a retailer or discount seller out before investing.

Investing in precious elements has been a longtime, common trend among high finance strategists and has been spurred on by the relative stability that they bring to anyone's investment capabilities. Purchasing the naturally occurring element is a good investment strategy for several reasons including portfolio diversity and stable value. Whether investors buy gold bullion online or purchase highly valued coins, this is always a good investment. Many people prefer to diversify their investment portfolio in order to protect any fluctuations that can occur within any one sector of assets. Portfolios that include gold among all the other assets tend to remain stronger no matter what the market trends that may push one or another asset lower. "The fear of the Lord is clean, enduring forever: the judgments of the Lord are true and righteous altogether. More to be desired than much fine gold..." (Psalm 19:9-10a)

Many investors add this metal to their portfolios in order to add strength and stability to the overall investment package. In cases where market trends weaken other classes of assets, this asset will generally remain stable, lending strength to the total investment package. The stable value that it brings to any investment plan is highly valuable in the short term or long haul. There are no credit risks as with stocks, bonds or other forms of investments. The product value has also established itself for thousands of years as the most stable form of investment and can endure unsettled times, wars, stock market crashes and just about any other financial upheaval in history making it necessary for good investors to know where to buy gold.

This has made it very appealing to many investors who want to add an asset that is as close to 'indestructible' as possible. Brokers and other financial managers know where to buy gold and many times, provide expert advice to their investment clients before their purchases. The World Gold Council is a global organization of producers that work together in a non-profit format to systematically monitor the production and sale of the product. The council works with various countries in their industries as well as they produce massive and comprehensive information about products for large holders of the precious metal. The headquarters of the council is located in Geneva with a network of offices around the world.

Legitimate, quality gold companies generally belong to this organization although the group does not endorse a company with any guarantee. Information such as where to buy gold and how to purchase the metal are included in much of the written information that is offered by the council. Purchasing the precious metal is generally best done under the supervisory capacity of a professional broker or merchant, but knowing as much as possible about the asset is very important for any individual investor as well. There are many ways to purchase the asset which include coins, bars, jewelry, accounts or certificates. Some investors prefer to buy gold bullion online that is found through coin investments or bars.

In some countries, jewelry is considered a viable asset to purchase both for wearing and saving. American investors prefer to stay away from jewelry as a major investment asset. Where to buy gold through other options is in more demand by US investors. Certificates provide a way for investors to own the metal while allowing a holding bank to store it. Certificate investments can be made while foreign banks hold the asset in their vaults. Accounts both allocated and unallocated can be purchased that allow buyers the chance to own precious metal assets without having to store the product themselves. Allocated accounts store bars that are dated and numbered specifically for the owner.

Unallocated accounts are those that store the valuables in the amount that is purchased by an investor but is not specifically ascribed by number or date. Some investors prefer to have their own date and numbered bars rather than claim ownership to one of many that is stored. Others have no real preference when they may buy gold bullion online and can benefit from unallocated accounts just as well. Understanding the precious metals business from aspects of where to buy them to how to purchase them requires more than a passing knowledge of investment strategies. Securing the services of a professional investment consultant is usually the wisest move when it comes to diverse, stable investment tactics.

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