Wednesday, July 21, 2010

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Investment Retirement Savings Retirement

If life on death or mixed retirement savings is a financial product that allows to invest over the long term.

What are the differences between each contract savings, and in what cases might be interesting to subscribe?

Altogether there are three types of retirement savings contracts: the contract foresight or pure death, the contract savings or "in case of life" and the mixed contract, which also works well in case of life that death. The retirement savings accumulated in this case the attributes of contracts and pension savings contracts.

Formed by regular withdrawals from the account of the subscriber and / or the payment of capital at the beginning of the contract, savings retirement pension is intended for use only in case of death of the policyholder. It ensures a minimum income to his family, or more easily transmitted part of his heritage. The retirement pension savings are then reflected in the payment of a sum close to the subscriber, at once or in installments under the agreement established by the account holder.



retirement savings if life is also intended to be repaid later, but this time only if the account holder is still alive. At the time of making the contract, a date is scheduled in advance for early payments. It is generally calculated to fall upon the retirement of the subscriber, but it is a use and not an obligation. In case of death, the retirement savings will not benefit the relatives of the account holder, unless the last-has been enriched by a cons-insurance.

Thursday, July 15, 2010

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Enjoying his retirement is the have anticipated: a retirement investment enables patients to stop professional activity with confidence. Optional placement retirement comes complete pension calculated on the basis of compulsory contributions during working life and can live more comfortably.

An investment retirement can take many different forms. Real estate investment, investment in stock or contract asssure life are all interesting solutions to increase its revenue at the date of retirement. Some banks or insurance also offer retirement investment plans specially designed to be profitable in the long term.



A property investment can be seen as an investment retirement : buying a property and making best use of tax benefits by the law and Borloo Robien, the subsequent rental of the property will receive a monthly financial supplement significantly. However, this kind of investment retirement takes time and energy .

with a solution life insurance or retirement investment planned by an organization specializing in such transactions, the future retiree is relieved of these concerns: it is sufficient to contribute a monthly sum based on the expected duration of the contract and its requirements without having to manage his own investments. An investment retirement is very similar to life insurance, since it works on the principle of capitalization throughout life. However, it often provides additional safeguards , such as the management of contributions in case of prolonged sickness or disability, and better prepares the end of the contract with safer investments in recent years.

Friday, July 9, 2010

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Retirement Retirement Capital funded


Although both are to provide an annuity when you stop the occupation, funded pension and retirement division be differentiated clearly.

What is the operation of the funded pension, and how does it differ from the PAYG?

The principle of funded pension is simple: the accumulation of payments that eventually form capital eligible for the payment of an annuity. The maker of a contract funded retirement may be an individual, community or business.


The funded pension is a kind of accumulated savings by a generation for its own account. The PAYG is exactly the opposite of this principle, since it is always the next generation which contributes to the previous one. Both types of pensions are generally used complementarily : mandatory pension contributions operate essentially on the principle of PAYGO pension, while the complementary pension out individually can be modeled on the pension.

In France, funded pension is mainly associated with the retirement savings . But the phenomenon of baby boomers has somewhat challenged this principle. In fact, children born just after World War are now reaching the retirement age: more than the next generation, they induce contributions logically heavier for the latter. A mixed system combining funded pension and PAYG could avoid the intergenerational inequities of this type.

Friday, July 2, 2010

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The Money Management

Money Management's 50%:

If you decide to allocate a certain sum of money as a trading portfolio, following the rule of Money Management 50%, half of the portfolio should be liquid in a majority of the time and will be used by some in an emergency against the trend to the market.

The other half devoted to trading is divided by 10 (at least) to form 10 values (stocks, indices, forex, etc.).

So suppose you decide to allocate € 100 000 in trading, only 50 000 € will be permanently active.
then dividing by 10 (at least) this asset, you know at the outset of a trade you can allocate more than 5000 € on a value, representing only 5% of the total weight of the portfolio.

When spotting a basic chart pattern such as the Double Bottom, one knows in advance the theoretical target of FIG.
Therefore to secure some gains, 50% result (at least) the position of the mid-term chart pattern.

In the case of invalidation of a chart pattern, you can let yourself stop under the handle of a cup with handle or below half of the second leg of a double bottom and take its losses and then try reducing the ERP (risqué!) using the 50% secured positions and even some of the 50% of the portfolio to make it liquid.

should be aware that we need a sufficiently high probability graph to try out in an honorable way of a reversal of adverse trends enjoying a technical rebound but for example in case of failure, loss will be even heavier!

Example: suppose we try a double bottom in taking a position at its waterline, after a while you realize that the figure is likely to be invalidated but the rest possibilté that this figure is rather trying to form a shoulder head shoulder and the second shoulder is not yet formed, we take the decision to reduce the PRU's position at the water line of the future Shoulder Head Shoulder (maybe) to exit at the right shoulder, underneath preference.
The Stop should be placed under the water line of the summer (not too close). A further technical

is to allocate a portion of porteffeuille (short or long) on a value that rollover hedging against it from the market, remains to choose the good.

If you are a beginner, start by using only 25% of the trading portfolio and divide the 25 by 20%.

I only wish you good trades!

Persuaders

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Tops and Flops

positions resulted in the Month of March 2011:

Eur / Usd: 280 Pips / Contract (Thanks to Our Friend Bertrand)
Sanofi Aventis: + 2 € / Action (Not Collected)
Exonhit Therapeutics: + 0, 5 € / Action

positions resulted in the Month of February 2011:

ETFS Brent Oil Dry: + 5.2 € / Tracker
WTI: $ 11.50 + / Contract
Eurotunnel: 0, € 30 / Action
Crédit Agricole + 1.40 € / Action
Silver: + 0.8 $ / Contract (unvested)
Technicolor: + 0.5 € / Action
Parrot: + 2 € / Action Silic
: 5.5 € / Ubisoft Action
: + € 0.98 / Action
Cac 40: + 130 Points

positions resulted in the Month of January 2011:

Alcatel Lucent: + 0.25 € / Action
Ipsen: 2.5 € / Action
Axa: € 1.52 + / Action
Yellow Pages: + 0.53 € / Action
Alstom: + 2.2 € / Action
Delachaux: + € 4.57 / Action
Faurecia: + 4 € / Action
Partouche Group: + 0.22 € / Action
Renault: € 2.13 + / Action (Thanks to Our Friend Bertrand)
Avanquest Software: + 0.22 € / Action
CAC 40: + 120 Points

positions resulted in the Month of December 2010: Lafarge

: + 3 € / Action (50%)
Archos: + € 0.49 / Action
Bic: + 5.77 € / Action
Vallourec: + 2 € / Action
Altran Technologies: + 0.15 € / Action
Rally: + € 3.06 / Action
Biomerieux: + € 4.53 / Action
Lafarge: € 2.465 + / Action (50%)
Boston Scientific Corp.: + 0 , $ 53 / Action
Goldman Sachs Group Inc: $ 11.25 + / Action
Silver: $ 2.17 + / Contract
Bed Bath & Beyond Inc.: $ 1.29 + / Action
Eurofins Scientific: + 8, € 55 / Action
Caterpillar Inc: $ 5.47 + / Action

positions resulted in the Month of November 2010:

Saffron: + 2.5 € / Action (Not Collected)
Soitec: + 1 € / Action
Recylex: + 0, € 78 / Action
Crit Group: + 2.40 € / Action
Nikkei 225: + 430 Points
Neopost: + € 3.95 / Action
ST Microelectronics: + 0.6 € / Action
Nexity: + 6 € / Action

positions resulted in the Month of October 2010: Accor

: + 3,50 € / Action (Not Collected)
Natural Gas: $ 0.15 + / Contract
Cac 40: + 76 40 Cac
Points: + 36 Points
Technicolor : + 0.67 € / Action
Virbac: + 10 € / Action
Illiad: + € 4.74 / Ation
Pernod Ricard: + € 3.62 / Action
IMS: + € 1.81 / Action
Bic: + € 2.92 per share (50%)

positions resulted in the Month of September 2010: Hewlett Packard

: + $ 2.5 / share (Acquired)
Wheat: - $ 37 / Contract
Oil WTI + $ 2.4 / Contract (50%)
Vilmorin: + € 2.89 / Action
Ipsen: + € 0.47 / Action
Oil WTI: $ 2.33 / Contract (50%)
Biomerieux: + 1 , 97 € / Action
Bic: +2.42 € / Action (50%)
CAC40: + 65 Points
Eurotunnel Group: + 0.69 € / Action
CGG Veritas: + € 2.05 / Action
Palladium: $ 21.5 + / Contract
Partouche: +0.27 € / Action
Silic: + € 2.69 / Action
CAC40: + 127 Points

positions resulted in the Month of August 2010:

Danone: +0.63 € / Action
Ingenico: + 0,55 € / Action
Arkema + € 0.52 / Action
Cac 40: + 78 Points
Yahoo: + $ 0.42 / Action
Air France: + 0.54 € / Action
Alcatel Lucent: + 0.11 € / Action

One month with small profits or what? :-)

positions resulted in the Month of July 2010:

Nasdaq 100: 27 Points
Icade: + € 3.34 per share (50%)
Suez Environment: + 0.22 € / Action
Land areas : + € 2.29 / Action
Nasdaq 100: + 54.1 Points
Oil WTI: $ 1.56 + / Contract
Oil WTI: $ 2.16 + / Contract
Euro / Usd: + 175 Pips
Euro / usd: + 421 Pips (50%)
Hi Media + € 0.37 / Action
Cac 40 (1 Hour): +50 points
Cac 40: 222 points (50%)
Danone: + € 2.59 / Action
Teleperformance - 0.68 € / Action
Rally : € 0.985 + / Action
Peugeot: 0.62 € / Action
Sugar: $ 0.70 / Contract (50%)
Cotton: $ 4.87 / Contract (50%)
Sugar: 1, $ 18 per contract (50%)
Cac 40: 119 pts (50%)
Euro / Usd: + 205 Pips (50%)


positions resulted in the Month of June 2010:

Icade: + 4.66 € / Action (50%)
Bayer: 1.2 € / Action
Cotton: $ 4.61 / Contract (50%)
Silver: $ -1.45 / Contract

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