Health for All

Often we see that someone who has a larger income but assets or property are less than other people whose income is smaller. One possible cause is a wasteful lifestyle and without calculation, so that little or no part to save. If you are planning to save money, there are several options offered. Or, you can also consider to start investing.

Investing means that we invest some money or buy an asset with the purpose of obtaining benefits. In investing there is always a risk of loss which may be experienced. An investment that can provide opportunities for greater profits, generally will be followed by the risk of greater losses as well. You should know the benefits that can be obtained along with the risk of possible losses suffered.

Investment Types

In general, assets that can be investment advice is divided into two, namely real assets and financial assets. Real assets are assets that are owned and has a form that we keep or possess. An example is the home of real assets, land and gold. Meanwhile, intangible financial assets, usually just a paper that is proof of our ownership. Examples of investments include savings, deposits, mutual funds, bonds, stocks, gold, property, and others. Now, let us see what advantages and disadvantages of each type of investment.
Investment types Investment Advantages and Disadvantages
Savings
Saving money in the bank for use later if needed.

Savings Benefits
Can be taken at any time and no risk.

Losses Savings
Money can be easily reduced, as can be taken at any time with ease and little interest.

Deposits
Saving money for a certain period, if the outstanding money can not be taken or will get a penalty if taken before his time.

Deposit benefits
Risk is very low. Flowers that can be accepted more than ordinary savings.

Deposit Losses
Profits or interest earned much less when compared with other types of investments that deal directly with market risk.

Mutual Funds
Is a place to collect funds collectively. Funds collected will be managed by the Investment Manager to be invested in other investment types. If a profit or loss will be divided evenly to the investors. This could be your choice for a new start to invest. Different risk types, depending on the selected type of risk. Type is the money market mutual funds, fixed income mutual funds, stock mutual funds, and mutual funds mixture.

Mutual Fund Advantages
No need to have a lot of knowledge, because it is managed by the Investment Manager. Since invested into many places, so if there is a loss in one place could be saved somewhere else that might make a profit.

Mutual Fund Losses
For some people, because it does not manage itself is often not satisfied with the results. Fewer benefits than stocks and there are costs incurred for the managers.
Bonds
The bonds are IOU, is proof that we are providing loans to certain companies or governments. Parties would provide debt interest for a certain period. Debt repayment period of more than one year. The safest bonds are bonds or debentures of the country.

Bond Benefits
Greater interest than bank deposits.

Bond Losses
Long term (> 1 year), so can not be liquidated if necessary or if you want to invest another. If the party who owes bankrupt, means are unable to return their debts.

Shares
Owning stock means that you have ownership in a company. We invest the money used as capital for the company. The Company will provide benefits received to shareholders as dividends called. When judged good or a lot of people interested in buying shares of a company, the price will go up, so if you sell the shares will benefit. Conversely, if the company suffers losses, its stock price may fall so that you may suffer losses. These shares may be purchased at the securities firm. For each transaction to sell or buy, you will be charged.

Stock profits
Can bring huge profits when the stock price rises. With little capital, can be obtained the results many times over.

Stock Losses
Greater the risk of loss, as stock prices fall.

Gold
Gold prices tend to rise every year, which is why many people who buy gold and sell it when the price goes up. If you want to use for investment, gold should be purchased precious metal bars or coins rather than gold in the form of jewelry. Gold bars or coins do not experience shrinkage or charges wore it when we sell in the form of jewelry.

Gold Benefits
Illiquid asset or assets that easy to sell.

Gold Losses
Difficult in storage because if not careful can easily be stolen.

Property
Just like gold, property prices of houses and land will tend to rise. By buying the property, and sell it at a later date will be profitable because the selling price has gone up. House prices will quickly rise if the strategic location or near public facilities, this can be a consideration when it comes to choosing a location. When going to buy a house on the estate who have not or are built, make sure the developer can be trusted and there is clear agreement, because there are some cases, after we pay, housing construction was discontinued which resulted in losses.

Property profits
Low risk and can be rented so that they can provide additional income.

Property Losses
Need substantial funds to buy a house or land. Property is not a liquid asset because it is not easy to sell when the time requires money.

Consider also when you want to take back the investment, if only for a short period or for long periods. If you have needs in the near future, select investments with lower risk and berifat liquid. Meanwhile, for the long term, you can choose high-risk investments that can meberi greater profits.

Because investing has risks, it is necessary to prepare mentally as a loss or failure in order not to become discouraged. At least, invest better than all your income is used for expenses without any part of the saved.