Market Analysis for Private Investors - Case Study Example

Market analysis for private investors XXXXXXXXXX XXXXXXXX XXXXXXXX XXXXXXXXXX XXXXXXXXXXXX Aberdeen UK Equity income A ACC involves investment in equity portfolio in the United Kingdom. The investment provides an investor with capital returns and one can also invest in international companies but the main operations of investments are operated in UK. From the year 2007-2011 Aberdeen, UK Equity income A ACC has experience tremendous changes in investment focus (Cherry, 2011, 40). The performance of investment in equity was at its peak in 2007 therefore attracting a number of investors; nonetheless, the performance of the investment equity began declining in 2008 due to recession and unavoidable changes in investment market. In 2009, the equity investment fell miserably forcing a number of investors undergoing a great loss in their investment. Nonetheless, the performance of the equity investment began to pick from late in the year 2009 to 2010. The performance of the equity investment kept on rising steadily to its peak in 2011. This was a relief to most investors considering most of them underwent a massive loss during recession period (Cherry, 2011, 40). The investment performance of the equity income for the last five years clearly shows how the equity income experienced both a decline and a rise in its market performance. Recession and the hard economic times experienced in year 2008-2009 were responsible for the poor performance of equity income investment. Aberdeen UK equity income A ACC was well managed to ensure its future performance was optimally maintained so that investors can obtain reasonable returns (Cherry, 2011, 41). In addition, history is also well managed so that the trend of investment of the equity income can be seen clearly. Therefore, investing in equity income requires a clear focus in investment, management and its growth. Risk averse investors can use this kind of investment income because its investment is diversified around the world. JPM natural resources involve investment in production and marketing commodities around the world. Investing in JPM natural resources guarantees capital growth in the long term. From the year, 2007 to 2011 JPM natural resources experienced a rise and a fall in investment performance (Salih, 2011, 12). J.P For instance, the year 2007 had steady growth in performance of JPM natural resources. The performance of the investment remained between 0-40 percent until 2009 when the investment performance declined to negative. The performance started picking again at the beginning of 2009 and it kept on rising steadily to 2011. Performance of the JPM natural resources can be considered stable in recent years (Salih, 2011, 13). This investment portfolio was also affected by recession and difficult economic times in the year 2008-2009. The investment is expected to benefit its investors after awhile. Therefore, investors considering investing in this portfolio need to be patient with their returns. Fidelity south East Asia is an investment portfolio with an objective of raising long-term capital from diverse companies throughout pacific basin excluding Japan. The investment portfolio is known to favor large companies in addition; the investment portfolio has better investing opportunities with greater risk (Adams, 2007, 95). In the past five years, fidelity south East Asia has recorded constant growth with a number of declines in the investment. The year 2008 recorded a fall in performance of fidelity East Asia investment due to recession and economic downfall of all investments around the world. From year 2009 to 2011, the investment portfolio recorded a steady growth providing investors with recommendable returns. Investing in fidelity south East Asia requires an investor to incur some charges (Adams, 2007, 96). In order to invest in fidelity south East Asia one is required to invest a minimum of a thousand pounds and a top up of two hundred and fifty pounds (Adams, 2007, 97). There is a standard charge for all investments made in this account in addition, a fee is also charged if one switches from one investment to another. Investing in oversea markets is a great risk because an investor is faced with the risk of currency difference from one state to another. In addition, the currency differences come with a charge that an investor is required to incur. In addition, changes in currency interest rates may affect the value of investment of an individual. Allan Liu is the fund manager responsible for ensuring the performance of the investment is highly maintained to guarantee investors with profitable returns (Adams, 2007, 98). INVESCO perp Latin America is a type of investment aimed at enhancing growth to investors. To ensure growth in investment, investment managers invest in investments that they regard as appropriate for instance, transferable securities, money market instruments, warrants, collective investment schemes deposits among other investments (Salih, 2010, 15). Over the past five years, INVESCO perp Latin America has recorded fluctuations in growth performance in investments. A massive decline was experienced late in 2008 and in the early months of 2009. The investment performance dropped to a negative value. This made many investors to lose their investment returns. A steady growth was experienced in the mid months of 2009 to 2011. Investment performance kept on growing increasing investors’ returns. A qualified fund manager manages the INVESCO perp Latin America investment. He has the task of ensuring investments are diversified wisely is managing the investment portfolio. Investors incur only standard charges and an individual can invest as low as one pound. Economic markets are currently growing at a steady pace because of the favorable market conditions. Diversification of investments may be a good option nonetheless; this does not guarantee profitable returns to investors. Inflation and other unfavorable market conditions may occur any time jeopardizing with investments portfolios (Salih, 2010, 17). Investments risks are also inevitable therefore; if one advocates to invest one should be ready to tackle any obstacles that may occur. All investments have some form of risks and the ability of growth in investments varies substantially. At times investments may experience a negative growth therefore investors are advised to be patients when they consider the option of investment. Therefore, the aforementioned investment is considered long-term investment. ABERDEEN UK EQUITY INCOME A ACC is expected to grow substantially so that investors can achieve an attractive level of income. Jack being a risk averse investor prefers this type of investment because it is based in UK. In addition, international investments can be made nonetheless the main operations of the investment ought to be in UK. Furthermore, the investment is in sterling pound therefore the risk of currency changes is avoided (Salih, 2010, 21). A risk averse avoids risks at all cost and they do not wish for massive returns from their investments. Massive returns are associated with higher risks therefore a risk averse investor is likely to get sufficient returns with less risk. Therefore, in future jack is likely to gain profitable returns through Aberdeen UK equity income A ACC sometime in future. His dream of finally getting his dream house will materialize. JPM NATURAL RESOURCES A ACC involves investment in diverse shares around the world. An investor gets the returns from the investment after a period (Hughes, 2007, 20). The current marketing conditions are favorable to guarantee substantial growth of this type of investment in future. In addition, economic growth in terms of resources is enhanced by the global technological advancement being experienced currently; therefore, the future is so promising for this type of investment. The risks involved in this type investor are guaranteed returns even when the market is faced with difficult economic times (Hughes, 2007, 21). His investment will grow to a considerable amount and he will not face the risk of losing all shares. Jack through his aversive behavior he not be able to expand his investment portfolio instead he will have enough returns to accomplish his set goals. FIDELITY SOUTH EAST ASIA involves investment in capital growth of shares. The shares are invested overseas to diverse their risks. The investments in this kind of portfolio are expected to increase substantially for the coming years (Hughes, 2007, 23). This is because the market for commodities is increasing everyday. In addition, technological advancement make ensures production of commodities is enhanced; the quality of the products keeps on improving too. Since Jill is a risk taker this kind of investment is appropriate for her, since the investment portfolios provide diverse opportunities for the investor. Investment in this kind of portfolio provides diverse chances for the investor guaranteeing greater returns. Nonetheless, the investments provide greater risk for the investor through global economic changes like inflation. In addition, since the investment is made overseas currency changes may affect the value of investments. Nonetheless, the investments have huge returns and only the risk takers have the urge to be involved in this kind of investments (Hughes, 2007, 24). Jill’s ambition of travelling around the world will be fulfilled since this investment type guarantees huge returns. In addition, the investor will have the opportunity to expand in the investment portfolio through the returns obtained. Despite the huge risks, involved investing in natural resources and commodities is beneficial to an investor. Aberdeen UK Equity income A ACC involves investment in equity portfolio in the United Kingdom. The investment provides an investor with capital returns and one can also invest in international companies, but the main operations of investments are operated in UK. From the year 2007-2011 Aberdeen, UK Equity income A ACC has experience tremendous changes in investment focus (Teasdale, 2006, 19). The performance of investment in equity was at its peak in 2007, therefore; attracting a number of investors; nonetheless, the performance of the investment equity began declining in 2008 due to recession and unavoidable changes in the investment market (Teasdale, 2006, 20). In 2009, the equity investment fell miserably forcing a number of investors undergoing a substantial loss in their investment. Nonetheless, the performance of the equity investment began to pick from late in the year 2009 to 2010. The performance of the equity investment kept on rising steadily to its peak in 2011. This was a relief to most investors considering most of them underwent a massive loss during recession period. (Teasdale, 2006, 20). The investment performance of the equity income for the last five years clearly shows how the equity income experienced both a decline and a rise in its market performance. Recession and the hard economic times experienced in year 2008-2009 were responsible for the poor performance of equity income investment. Aberdeen UK equity income A ACC was well managed to ensure its future performance was optimally maintained so that investors can obtain reasonable returns (Teasdale, 2006, 21). In addition, history is also well managed so that the trend of investment of the equity income can be seen clearly. Therefore, investing in equity income requires a clear focus in investment, management and its growth. Risk averse investors can use this kind of investment income because its investment is diversified around the world. JPM natural resources involve investment in production and marketing commodities around the world. Investing in JPM natural resources guarantees capital growth in the long term. From the year, 2007 to 2011 JPM natural resources experienced a rise and a fall in investment performance (Salih, 2011, 42). For instance, the year 2007 had steady growth in performance of JPM natural resources. The performance of the investment remained between 0-40 percent until 2009 when the investment performance declined to negative. The performance started picking again at the beginning of 2009 and it kept on rising steadily to 2011 (Salih, 2011, 43). Performance of the JPM natural resources can be considered stable in recent years. This investment portfolio was also affected by recession and difficult economic times in the year 2008-2009. The investment is expected to benefit its investors after awhile. Therefore, investors considering investing in this portfolio need, to be patient with their returns (Salih, 2011, 45). FIDELITY SOUTH EAST ASIA is an investment portfolio with an objective of raising long-term capital from diverse companies throughout the pacific basin excluding Japan. The investment portfolio is known to favor large companies in addition; the investment portfolio, has better investing opportunities with greater risk. In the past five years, fidelity south East Asia has recorded constant growth with a number of declines in the investment. The year 2008 recorded a fall in performance of fidelity East Asia investment due to recession and economic downfall of all investments around the world. From year 2009 to 2011, the investment portfolio recorded a steady growth providing investors with recommendable returns. Investing in FIDELITY SOUTH EAST ASIA requires an investor to incur some charges. In order to invest in fidelity south East Asia, one is required to invest a minimum of a thousand pounds and a top up of two hundred and fifty pounds. There is a standard charge for all investments made in this account in addition a fee is also charged if one switches from one investment to another (Hughes, 2007, 26). Investing in overseas markets is a potent risk because an investor is faced with the risk of currency difference from one state to another. In addition, the currency differences come with a charge that an investor is required to incur. In addition, changes in currency interest rates may affect the value of investment of an individual. Allan Liu is the fund manager responsible for ensuring the performance of the investment is highly maintained to guarantee investors with profitable returns. INVESCO perp Latin America is a type of investment aimed at enhancing growth to investors. To ensure growth in investment, fund managers invest in investments that they regard as appropriate for instance, transferable securities, money market instruments, warrants, collective investment schemes deposits among other investments (Tora, 2011, 218). Over the past five years, INVESCO perp Latin America has recorded fluctuations in growth performance in investments. A massive decline was experienced late in 2008 and in the early months of 2009. The investment performance dropped to a negative value. This made many investors lose their investment returns (Tora, 2011, 218). A steady growth was experienced in the mid months of 2009 to 2011. Investment performance kept on growing increasing investors’ returns. A qualified fund manager manages the INVESCO perp Latin America investment. He has the task of ensuring investments are diversified wisely is managing the investment portfolio. Investors incur only standard charges and an individual can invest as low as one pound (Tora, 2011, 219). Economic markets are currently growing at a steady pace because of the favorable market conditions. Diversification of investments may be a beneficial option nonetheless; this does not guarantee profitable returns to investors. Inflation and other unfavorable market conditions may occur any time jeopardizing with investments portfolios (Hughes, 2007, 25). Investments risks are also inevitable, therefore; if one advocates to invest one should be ready to tackle any obstacles that may occur. All investments have some form of risks and the ability of growth in investments varies substantially. At times, investments may experience a negative growth, therefore; investors are advised to be patients when they consider the option of investment. Therefore, the aforementioned investment is considered long-term investment. ABERDEEN UK EQUITY INCOME A ACC is expected to grow substantially so that investors can achieve an attractive level of income. Jack being a risk averse investor prefers this type of investment because it is based in UK. In addition, international investments can be made nonetheless the main operations of the investment ought to be in UK (Boyd, 2010, 77). Furthermore, the investment is in sterling pound therefore, the risk of currency changes is avoided. A risk averse avoids risks at all cost, and they do not wish for massive returns from their investments. Massive returns are associated with higher risks therefore; a risk averse investor is likely to get sufficient returns with less risk. Therefore, in future jack is likely to gain profitable returns through ABERDEEN UK EQUITY INCOME A ACC sometime in the future. His dream of finally getting his dream house will materialize (Boyd, 2010, 78). JPM NATURAL RESOURCES A ACC involves investment in diverse shares around the world. An investor gets the returns from the investment after a period (Salih, 2011, 41). The current marketing conditions are favorable, to guarantee substantial growth of this type of investment in the future. In addition, economic growth in terms of resources is enhanced by the global technological, advancement being experienced currently; therefore, the future is so promising for this type of investment. The risks involved in this type investor are guaranteed returns even when the market is faced with difficult economic times (Boyd, 2010, 78). His investment will grow to a considerable amount, and he will not face the risk of losing all shares. Jack through his aversive behavior he may not be able, to expand his investment portfolio instead he will have enough returns to accomplish his set goals. FIDELITY SOUTH EAST ASIA involves investment in capital growth of shares. The shares are invested overseas to diverse their risks. The investments in this kind of portfolio are expected to increase substantially for the coming years. This is because the market for commodities is increasing every day (Tora, 2011, 59). In addition, technological advancement make ensures production of commodities is enhanced; the quality of the products keeps on improving too. Since Jill is a risk taker this kind of investment is, appropriate for her, since the investment portfolios provide diverse opportunities for the investor (Tora, 2011, 60). Investment in this kind of portfolio provides diverse chances for the investor guaranteeing greater returns. Nonetheless, the investments provide greater risk for the investor through global economic changes like inflation. In addition, since the investment is made overseas currency changes may affect the value of investments (Tora, 2011, 61). Nonetheless, the investments have immense returns and only the risk takers have the urge to be involved in this kind of investments. Jill’s ambition of travelling around the world will be fulfilled since this investment type guarantees massive returns. In addition, the investor will have the opportunity to expand in the investment portfolio through the returns obtained. Despite the huge risks, involved investing in natural resources and commodities is beneficial to an investor. INVESCO PERP LATIN AMERICA ACC has the ability of ensuring an investor gains capital growth in the long term. The investment portfolio involves diverse opportunities for the investor. Investing wisely in this kind of portfolio is beneficial to an investor (Salih, 2010, 17). Massive changes in technology and people’s involvement in overseas markets guarantee the growth of this kind of investment in the future (Salih, 2010, 18). Therefore, the investor has a guarantee of massive returns in the future and an expansion of an investor’s portfolio. Jill’s ambition of investing in these markets is reasonable, and will guarantee her massive returns. In addition, economic development in Asia and Latin America is expected to raise substantially in the future providing investors with a guarantee of large returns. Jill’s involvement in this kind of investment will guarantee massive returns and thus a protection to her future (Salih, 2010, 20). Her dream of not working in future and concentrating on the investment may materialize due to this kind of investment. Nonetheless, investing overseas may result to enormous risks because of economic and capital risks. In addition, changes in currencies may results to huge losses in overseas investments. Therefore, only a risk taker can be involved in international investments. They guarantee huge returns, but the risks are massive too. The suggestion of jack and Jill’s mother is agreeable, investing in a money purchase pension plan is reasonable (Hughes, 2007, 20). Money purchase investment fund involves making continuous contributions in the funds, and at old age, an investor is able to enjoy the returns of investment. The amount of each member in the fund differs with regard to investment contributed to the fund. If an individual makes huge investments in the fund, annual returns will be massive after retirement and will sustain the individual in catering for daily needs (Hughes, 2007, 21). In addition, the risks involved in this kind of investment lie to both the employer and the employee. If were Jill, I would support the idea of money purchase pension fund because the fund guarantees exceptional returns once an individual hits old age. In addition, instead of depending on people, to assist in daily expenses at old age the fund can be used as security. Therefore, the investment suggestion is reasonable, and if taken to consideration an individual will reap huge benefits in the long term. In addition, since Jill is a risk taker this can act as a form of investments with payments being made after one retires (Hughes, 2007, 22). In my view, the suggestion is brilliant, and I would embrace it. This is because after retirement, one can still invest in shares and other securities with funds obtained from these investments. Since, Jill has the ambition to diverse investments this can also be used as a way, to diversify investments portfolio (Hughes, 2007, 23). To avoid her mother’s suffering investing in this type of pension fund may prove to be profitable in the future. In addition, before an investor decides to invest the benefits and the risks involved in such kind of investments need to be assessed and analyzed. Referencing Adams, B. 2007. Fidelity Aims to Deliver High Scores. Fund Strategy. 29 (7), 94- 163. Boyd, J. 2010. Overseas Temptations. Advisor Fund Index. 12 (6), 78-81. Cherry, R. 2011. Aberdeen Emerges Fully Confidant. Fund Strategy. 34 (2), 40-41. Hughes, F. 2007. Hard Core. Fund Strategy. 30 (4), 20-24. Salih, C. 2010. Split Decisions: Money Marketing. 16 (7), 17- 28. Salih, C. 2011. Gregson Taking Over J.P Morgan Heritage Fund. . Money Marketing. 25 (9), 41- 67. Salih, C. 2011. J.P. Morgan Looks at Natural Resources. Money Marketing. 23 (8), 11- 17. Teasdale, J. 2006. Aberdeen Builds in Strength on Deep. Fund Strategy. 28 (1), 29- 31. Tora, B. 2011. Growth in the Offing for Asia Pacific. Fund Strategy. 33 (2), 59-61. Tora, B. 2011. Growth Story offers happy endings. Fund Strategy. 33 (2), 218-348. Read More