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Business Opportunities And Investment In 2012, Business Opportunities, Business, Investments. The industrial sector of food, service and hospitality industries, as well as mining and energy is estimated to be experiencing a boom in 2012. In domestic demand towards the service industry, hospitality, and food in the country will increase.
As for the mining and energy due to demand in some countries that are not affected by the crisis are also quite large, “said Didik J. Rachbini, Head of the Research Institute, Research and Economic Development (LP3E) Kadin Indonesia, in Jakarta, Wednesday, December 28, 2011.

Business Opportunities And Investment In 2012

According to him, the growth of community groups who have high purchasing power is currently quite large. Thus, the demand for the service sector and the hospitality and food products will continue to grow.
He called, still the consumption sector will contribute about 60 percent of economic growth. »However, if the government can not maintain comfortable conditions for businesses, the growth in the domestic industry will be below the government target,” said Didik.

He mentions, the growth rate of 7.1 percent in 2012, the government pegged quite rational when balanced with the level of mortgage interest rates are low. So even with the infrastructure and energy, especially electricity are adequate. »Flowers banks are still not friendly, but Bank Indonesia has lowered the BI Rate,” said Didik.

Business Opportunity In 2012

Chairman of the Chamber of Commerce and Industry Suryo Bambang Sulisto expect bank lending rates could be on the level of 8 percent or less. The reason, he added, the Bank Indonesia benchmark rate (BI Rate) has been a 6 per cent.

According to him, BI efforts not followed by a decline in interest rates of commercial banks. He indicated the existence of inefficiency of commercial banks. “The contribution of commercial banks in corporate investment and working capital is still low,” he said.

Investment which is distributed no more than 25 percent and working capital of approximately 21 percent. As a result, call him, this is less encouraging development of the real sector.

The same thing also expressed Didik Rachbini. He called, inefficiency can be seen from the high bank operating costs, interest costs, as well as the cost of risk. All the components were still in flower components.

Investing in rental real estate looks like a great idea on paper. You just buy a place in a nice area, find tenants and let the cash roll in. However, there are some matters you have to consider before buying a property and putting a “for rent” ad in the newspaper. Here we provide a rundown of the pros and cons of owning rental property and give you a few tips on how to turn a profit as a landlord.

Advantages of Rental Real Estate
The advantages of rental real estate are quite substantial. One that is not listed below is the fact that when you own rental real estate, you own a tangible asset. You can paint it when you’re happy with it and throw rocks at it when you’re not. Shares of Enron, by contrast, are much harder to hit with a stone. (To learn more, see Diversification Beyond Equities.)

Many people who feel uncomfortable investing in financial instruments have no qualms about investing in real estate. This is a psychological distinction, as a bad stock and a bad rental property are equally capable of losing money, forcing you to sell for a loss. That said, here are the advantages that show up on paper

I am doing a business plan competition for entrepreneurs to be “something” that raise funds from different participants and meets on an account to invest in future according to some strategy, then return the money plus the return to shareholders, staying with a percentage of profit, that is, only if there has been profitable. Come on, an investment company ordinary.
After much research I concluded that the right thing to do was to create a management company of Collective Investment Schemes (UCITS management companies) to manage and represent an investment fund (IF), and constiturlos both in the CNMV.
The problem is that to create the company needed more than 2 million minimum capital, a minimum of 100 members, and at least 100 members for the fund, ie, the project runs through my hands, and is designed for people who already have much money.
On the other hand, the only other option I’ve found is to make a “Investment Club,” which is simply a community of goods, but that’s to do between 4 friends and learn more than anything.
Do you know of a way to raise funds to manage them using SL, SA, or other instrument to do so with little money?.
Then I saw some websites that do but put the legal notice that transactions are considered private between the parties and so investments are not subject to any kind of regulatory standards, but not if it is legal in Spain.
There are also portfolio management companies but do not know if they can meet all of the assets of people in one place to manage them together as happens in an investment fund.
Can you help me?, Knows a simple solution?

A manager of a mutual fund is a corporation, whose purpose is the representation and administration of collective investment institutions (IIC), with powers of control over these assets without owning them.

Features include:

Establish a fund along with the depositary to develop the appropriate regulations.
Exercise the rights attaching to the securities that the fund has a portfolio of exclusive benefit of members.
Determine the value of the shares.
Manage the assets of the fund object.
The managers are required to periodically submit to the CNMV comprehensive information that tells the history of funds and the degree of compliance with the legal requirements, among others are: the investment ratios of assets, equity, liquidity, positions the group manager, list of buying and selling, etc..

In practice, the fund acts as a “sack.” To the extent that a participant elects to purchase shares, the cash from the bag comes in increasing the wealth and the manager invests in securities. When the investor sells shares, the fund reduces its assets. All the purchase, sale and transfer of shares must inevitably pass through the manager, not being able to operate without this average.

The first significant reference to the Investment Funds in Spain, dating from 1964 through Decree-Law 7 / 1964 of April 30, which authorizes the government to regulate investment funds financial information (mutual fund) . In its early investment funds did so only in equities, so that your progress will be closely linked to the exchange. Until 1974, experiencing a great development, but the global crisis of the 70 causes a steady decline in growth due to the low yields they produced. It is from that moment when one begins to consider the fixed-income assets to diversify portfolio risk, and in 1980 began to enter values ??in this category in the fund portfolios. Finally, Law 46/1984, of December 26, consolidating the trend with the creation of investment funds in money market funds (FIAMM).

However, the final impetus for the FIM and FIAMM occurs at the beginning of the 90 for several reasons. From a financial standpoint, is the creation of Fondtesoro whose state advertising campaigns this formula greatly promote investment and on the other hand we must not forget in this sense, the direct involvement of banks and savings banks as promoters the vast majority of funds marketed in Spain, taking advantage of their distribution networks across the country.

The control and supervision of funds for the Commission Nacional de Valores (CNMV), which performs its function with the same powers and legislative powers, regulators, auditors and penalties, that is vested by the Law 1284/98 Market Securities.

Management Companies, Custodians and all brochures and reports on the Funds registration is compulsory in the Register maintained by the National Securities Commission, are governed by the provisions of Law No. 811/96, the regulations of the CNMV and the respective regulations or internal management of each of the funds previously approved by the committee.

Law 35/2003 on November 4 Collective Investment Institutions and unfolding regulations set the rules governing investment funds with mutual funds, as well as their managers and custodians. The purpose of the Funds and Mutual Funds is established with the purpose of investing in securities or real estate, as appropriate.

A mutual fund is an asset without legal personality, which is made up of contributions from a number of investors or participants. The fund is managed by a management company Collective Investment Institutions (SGIIC) and their property rights are represented by a certificate of participation. The contributions of all investors in mutual funds are invested in financial assets (bills, bonds, debentures, stocks, derivatives, etc.) Or non-financial assets (philately, art, buildings, etc …).

While mutual funds are constituted as Corporations shareholders being owners of the company, the Investment Funds are defined as assets that belong to a plurality of investors called stakeholders.

The assets of an investment fund is divided into a number of units of the same characteristics that have the character of negotiable, but have no value. The number of entries is unlimited and each value is calculated by dividing total equity value of the number of shares outstanding, this value is going to be called net asset value.

The management company of collective investment institutions (SGIIC)

Is emitted manages and administers the fund and all, decide which is the investment policy to follow, ie, decides the securities and financial instruments to be purchased and sold with the fund’s assets.

The Management Company does not own the fund, because the real owners are the members of the fund. Each fund has a single management company and each SGIIC can manage several investment funds at once, each one depending on the needs and preferences of savers. By directly to the fund management charges a fee (management fee). The managers are required to periodically submit to the CNMV comprehensive information that tells the history of funds and the degree of compliance with the legal requirements, among which are: investment ratios of assets, equity, liquidity, positions the group manager, Relationship of purchase and sale, etc. All the purchase, sale and transfer of shares must inevitably pass through the manager, not being able to operate without this average.

D) The depositary

It can be any savings bank, Bank, Company or Agency Securities or Credit duly registered in special registers of the CNMV. Its basic function is the custodian of the values ??that the IIC has in his wallet, but you can trust all or part of it to a third party. Apart from this responsibility is responsible for the following functions:

Receiving and keeping custody of securities and all those assets which are investments in mutual funds, and also performs the settlement of transactions.
Ensure the regularity of the subscription of shares, claiming the amount, whose net credited to the fund, being obliged to notify the CNMV of any abnormalities detected.
Satisfied, on behalf of the funds, redemptions ordered by the management company, whose net payable on their own merits.

• The participants

Members or investors are the people who contribute their savings to fund and, when they want, they can obtain full or partial refund. They are joint owners of the Fund’s assets, which are entitled to a percentage based on your input (number of shares).

At the time a person makes a contribution to the common heritage of the fund becomes a sharer in it. This contribution can be made either at the time of formation of the phone, or later. The holder may be a natural or legal person, resident or not, major or minor, may be no or multiple-account holders open.

• Shares

Units in the Fund are each equal in dividing the assets of an investment fund, that is, are the unit contribution of each investor. All entries have the same rights and are equal. Your property is entitled to participate in management performance, which will become effective in the profits or losses when the holder takes the decision to sell.

Participation is always by name (is the name of the participant) and may not be the carrier. Entries can be represented either by certificates or by book-entry (computer records). Are securities, but in reality are not traded on any stock exchange, to be bought and sold through the management company, which is what these issues and redeems shares.

Physical gold and scriptural
Gold has been for several years exempt from VAT in the Netherlands, there are still some differences between the book and purchase of physical gold that your consideration should take. First, common mistakes to avoid shares in gold mining shares are not equal to gold! Moreover, several intelligent analysts advise you against buying physical gold … The money you extort gold sales because you prefer them with the craziest investment vehicles!

Giro invest in gold at the established banks in the Netherlands. In the fine print, however, the bank can lend out the gold is, so the real power of investing in gold is still over your nose over, if they get back into crisis. Physical gold gives you two ways to buy. You buy the gold and gets himself in custody, whether you buy gold and let the seller put themselves in a safe (which you also pay for).

Investing means buying something that you hope it is worth. So you invest your money in order to gain profit out of it later. There are several ways. Any investment you choose will depend, for example, the goal you have and the risk that you want to run. Known investment are:

Shares: If you invest in call loan, buy a portion of a company. You are a shareholder of that company
Mutual funds: you buy a stake. The investment invests your money with the money of other investors. For example in different companies or other investment.
Investment objects: you invest in an object, such as hardwood or wine.
Bonds: If you buy a bond, you lend money to a company, the Dutch government or a foreign state. In return, you get the borrowed money with interest.
Options: options to buy the right (or obligation) to an underlying asset (eg shares) to buy or sell a specified price.
Structured products: these are often combinations of investment. Examples of structured products leverage products and guaranteed products.