Invest your money

U.S. stocks fell for a second day as plunging Chinese shares and commodities stoked speculation that the surge in equities has outpaced the economy, while the Treasury sold notes at a higher-than-forecast yield.

Stocks in China plunged on speculation the government will curb inflows into a market that had doubled from last year’s low. The benchmark gauge, which has surged 79 percent this year, tumbled 5 percent to end a five-day, 7 percent advance that pushed valuations to the highest since January 2008.

The dollar advanced the most against the currencies of six major U.S. trading partners in almost four weeks as stocks fell and crude oil slumped, bolstering demand for the greenback as a haven.

Crude oil fell the most in three months after a government report showed an unexpected gain in U.S. supplies as imports rose and refiners cut operating rates.

Stockpiles surged 5.15 million barrels to 347.8 million in the week ended July 24, the Energy Department said. It was the biggest weekly increase since April. Supplies were forecast to decline by 1.5 million barrels, according to the median of analyst estimates in a Bloomberg News survey.

Source: Bloombeg.com

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By Ian Sani.

Ok, now you have your money after saving it from the hard work you have done in previous years. So where can you invest your money? That is a million-dollar question. There is no same place for every one to invest. The first two thing you need to know before asking that question are:

• How much is your investing target return
• How much risk are you willing to take

So your answer might be, “I want a ten percent return with minimal risk”. Sounds realistic? Remember that the higher return you want, the riskier it will be. There are many kind of investment out there. The most common place to invest money are to stocks, bonds, mutual funds, real estate, and starting your own business. Each investment has their own characteristic. It’s your job to know their characteristic and match it with your preference.

Bond, mutual funds, and real estate generally have lower risk than stocks and starting your own business. With stocks you can loss your money in minutes. Imagine if you had bought Citibank stock at the start of the year at $7 per share. Guess how much it is now? It’s around $3 at mid July. A 50% drop in half a year. See how you can lose money from stock. The same applies if you own your own business. There are many companies that are closed at it’s first year. Imagine how much money you could loss this way.

If you don’t know anything about investing and want to leave it to the pros, then you can try mutual fund. A mutual fund is a professionally managed type of collective investment that pools money from many investors. Although it is professionally managed, it does not means that you won’t lose money from it. Those professional can also loss money, but at least their knowledge is a lot more than you.