All About Financial Investing and Life Insurance: Update Feb. 01 - 2010 All About "Financial Investing" By Insurance Experts

Financial investing is defined as a term with several closely-related meanings in business management, finance and economics, related to saving or deferring consumption. Investing is the active redirection of resources: from being consumed today, to creating benefits in the future; the use of assets to earn income or profit.

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To Read Part B. Scroll Down please

Part A. Mutual Funds Investment - Depends on Your Financial Goals

By Cheryl Forbes

Since we are still in the middle of recession and all people are more careful with how they handle their money. They know how important investments are if they want to continue to make big bucks of money but it is hard to invest these days. You will never know what big company is going to fold next.

One of the safer means for investment is still mutual funds investment. If you are not yet sure about it, you can always check the fund's previous performances to be able to make a quick decision, although there are many other factors to consider and not just the history of the chosen method for investing. You should also take into consideration the fund's sale charges or expenses, the taxes that you have to pay, age and size of the fund, the fund's risks and latest changes.

It does take a lot of hard work but it is worth it especially if you did that right. There are specific tools that will be able to help you with it such as a mutual fund cost calculator. It helps you compute the costs of different mutual fund investment added over time. So you know exactly what your returns are.

Choosing the right mutual fund investment depends on how much you can take. Your tolerance for risk is actually the one thing that will help you decide on the type of fund that is for you. You will always decide on your comfort level and your financial goals.

Cheryl Forbes owns and operates the website http://www.trust-deed-investor.com.

Part B. 3 Tips on How to Choose Unit Trust Fund

By Sheng Feng Ang

The basic feature of Unit Trust investment is a form of collective investment that allows investors with similar investment objectives to pool their saving, and invested in a portfolio of securities managed by investment professional.

Most people think that the diversified nature of unit trust funds means that the risk of investment is low. This led to misconception on buying high prices. We should have 3 basics understanding and research before we commit our hard earned money in Unit Trust investment.

1)Understand your risk profile
·Conservative and low risk investor- when investing your money, your investment's value won't go up and

down a lot. Low risk funds have a mix investment types, or just fixed interest securities.
·High-risk investor - you will aim to achieve the highest possible of return. High risk tend to be specialised

or in or more countries outside Malaysia.

2) Evaluate the unit trust you are investing
Investors should understand the investment objective and strategy in each fund that they are considering. Even the funds within the same category may have differences in risk exposure due to the difference in the investment holdings. Make sure the funds stick on its stated strategy in top 10 holdings. We always look at 3, 5, or 10 years of funds' performance as a compared.

3)Track record of the fund manager
Please bear in mind; the fund manager manages our money investment. Is more directly related to how your money is managed, the fund manager is the one making the investment decision. A strong fund manager will have a professional qualification in finance Analyst and many years of experience in investment research and stock broking. Understand what funds the manager has worked at in the past history and funds performance records.

Sheng Feng Ang is currently a Unit Trust consultancy for more than 10 years experience. Mainly in Unit trust investment, Risk Management and Financial training. Adelaide has obtained the " Certified Financial Planner", is globally recognized in USA, Canada, Japan, Australia, Hong Kong, China, Taiwan, Indonesia, India, Singapore, United Kingdom, New Zealand, Germany, France, South Korea, Brazil, Austria, South Africa and Switzerland.

Unit trust investment is one of the many ways to increase our retirement fund and maximize our gain and minimize our risk along the period of investment horizon towards our retirement age. For more information, please direct mail to my personal email at:sf_ang2003@yahoo.com or sfang2003@gmail.com

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