Where to Invest & Why

Bank Deposit or Saving a/c

Even though your money earns interest in a bank account, inflation can take away its real value. As the chart below shows, money in a bank’s passbook savings account and in money market funds often can’t make enough interest to offset the losses from inflation. That’s why it is important to understand the other ways to invest.


Disadvantages

  • Short-term investments pay a low rate of interest, like three to five percent.
  • Short-term investments may lose value after adjustments for inflation.

Buy Stocks & Shares

Stocks are shares in a company. When you invest in a company's stock or buy its shares, you own part of a company. If the company makes money, your stock will increase in value. But, just as in short-term investment and bonds, there are pros and cons to stock investments. This are highly regulated investments and have legal terms & conditions attached that indemnify the brokers/ institutions of responsibility in the event your capital suffers any loss.

In the event you lose money - there is nothing that can be done. These are the risks associated with such investments that can be volatile investments. Please consult your financial advisor for further & detailed information – Allprops Investments are not regulated to give such advice.


Disadvantages

  • Stock prices often go up and down. They are never guaranteed.
  • A shareholder may lose part or all of his money.

Buy Gold and Silver (commodities)

A commodity is anything from gold, silver, or oil, to farm products, such as cotton, soybeans, or meat. It can also be foreign currencies, such as yen, pounds, and lira.

The prices of commodities are driven mostly by global economics and global supply and demand. For example, oil prices will go higher if there is a shortage. Investments in commodities are very speculative because their future demand is difficult to predict. These investments are best left to professionals

Buy Collectibles

A collectible is anything from baseball cards, coins, stamps, or dolls to antiques. When you buy these collectibles, you hope to resell them for a profit some day. The downside of collectibles is that they can get stolen or damaged, resulting in losses. Also, they may not increase in value as they get older; some things actually lose value due to wear and tear. For youngsters, collecting baseball cards is fun, but not a sure way to make money.

Buy Mutual Funds

A mutual fund is a pool of lots of investors’ money to purchase a variety of investments such as all six types we have previously covered. There are many different types of mutual funds.

Mutual funds are diversified investments that help put your eggs into many baskets. To invest, you can buy as little as one share (a unit) of a mutual fund.


Advantages

  • Professional management - Mutual funds hire professional money managers to manage the fund.
  • Diversification - The money of a mutual fund is put into different types of investments.


Disadvantages

  • Most of the mutual funds charge management fees from two to four percent (loaded funds). There are also no-load mutual funds.
  • The performance of a mutual fund is highly dependent on the fund manager. Most mutual funds have not done as well.
  • Your investment can go down as well as up.
  • There are thousands of mutual funds to choose from.

Pooled investments

This is when you pool your money with money from other investors to invest in one or more of the above asset classes. This can help spread your risk and save on costs. If you are interested in joining a pool, please email us: This e-mail address is being protected from spambots. You need JavaScript enabled to view it.

Real Estate/ Property

This website is dedicated to this sector of investment.

Allprops Investments are THE ONLY COMPANY to have devised a package which totally secures your capital from any loss.

This guarantee is written into your mortgage offer by the lender.

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