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Today with some innovations in investment area very low interest rates i.e. 2%-6% a year are not satisfied the average investors. They are seeking new ways and opportunities with higher rates yet with the minimum risk. One of these ways is high income fund or high yield mutual fund investment. The investors can expect a yearly yield of 10% or higher in this type of investment and at the same time keep the risk reasonably at a low level.

Somebody may ask how such high interest rates are possible with high income fund investments. The answer is that such funds invest in low quality or low grade bonds. The risk of such investments are more than the so called high grade bond funds but still reasonable. So, these low quality bonds are suitable for small investing capitals and the investors with large amount of capital should turn to high grade funds because the payment by low quality funds is not guaranteed and they may don’t pay back the bond owners in a bad market situation.

Because of the average higher risk of these high income fund investment opportunities, the investor s should tightly manage their investments. Making a good diversified portfolio is a must for average investors and they have to manage their investments such that in case of a part of bonds going bad they can still be compensated by the rest of the bonds.

Another strategy to make the investment risk lower is time diversification. This means that the investor buy low quality high income fund gradually during all times of the year. For example, if you want to invest $60,000 in bond funds, you make this investment in $5,000 monthly increments. This way you will minimize the risk of investment in a bad market time.

Today, investment in high income fund is become more and more popular and many stock and equity investors take the advantage of this type of investment because it is much safer than traditional stock investment (has not the vast fluctuations of prices and is more liquid than small stocks). High yield fund managers are very professional investment analyzers and can diversify the bonds such that they nearly become risk free. If the average investor work with a well known fund manager (with the minimum expenses i.e. less than 1%), a very good investment return is quite possible.

 

A Mutual Fund is a channelised financial hub, usually governed by a third party that permits a group of investors to invest their money together with an objective. The mutual fund basically has a fund manager who undertakes the responsibility of investing the gathered amount into specific securities such as bonds and stocks. When you invest in a mutual fund, you basically buy portions or shares of that particular fund and accordingly you are entitled to become a shareholder. Mutual Fund Investments are considered to be the most cost-effective investment and are highly popular due to its diversification.

 

Diversification is the art of bi-furcating your financial investments and investing in various schemes such that when one investment is down you can always bank on the other for your dividends. The basic level of diversification is to buy multiple stocks rather than just one stock. Now to the promotional offers. Look it is very obvious that anyone who runs a business will definitely promote it aggressively and claim it to be the best. But there is a statement that is made after a promotion that reads “Mutual Funds Investments are subjected to market risks, kindly read the offer document before investing”. The performance or output of a fund anyone invests in depends on the psychology of the fund manager. Different funds from various fund houses may perform differently because, though they have the same aim, there style of operation and priority levels are different. So, given a choice always choose a fund with a good and consistent track record. Always do some amounts of market research and a bit of discussion with associates who are into the investing part, if possible hire a professional so that he can guide you with the investments. The rest will be fine.

 

For Newbies, prior to investing, you should be having an Idea as to what stocks, funds and shares are and why are they invested upon. If you are still unclear, take up the help of a CA (Chartered accountant) or a financial adviser. Clear your basics first. Secondly the performance or output of a fund/stock anyone invests in, depends on the psychology of the fund manager. So, given a choice always choose the ones with a good and consistent track record. Always remember investments are made to garner good dividends, so be sure where ever you are investing, the dividends should come from. Even if the stock you are investing upon provides you slow but secured dividends you should go for it. There are many stocks in the market that provides you with high capital gains, but then they are extremely risky. So you being an amateur should try avoiding that. Learn the game first and then play it.

 

If ever there was an argument for the advertising ban on Hedge Funds to be lifted it is this one. Over three years a brazen group of New York scam artists raised about $30 million from unsuspecting investors by posing as principals of a successful hedge fund and then fled with the loot.

Investments from $5,000 to $500,000 were obtained from college professors and educated professionals. It took the group a little more than three years, from early 2003 September 2006 to raise the $30 million.

A grand jury empaneled by Michael J. Garcia, the U.S. Attorney in Manhattan, is said to have handed up a sealed indictment in the case, according to a lawyer hired by 10 of the victims, who said that the FBI was investigating the matter.

The criminals are clearly to blame here, however, this is a problem that, in our opinion, is caused in part, by the regulators themselves.

There is a scam out there that is based on “Prime Bank Guarantees” or “Medium Term Notes” that has taken billions from investors with promises of astronomical returns. The SEC web site says:

“Lured by the promise of astronomical profits and the chance to be part of an exclusive, international investing program, investors are once again falling prey to bogus “prime bank” scams. These fraudulent schemes involve the purported issuance, trading, or use of so-called “prime” bank, “prime” European bank or “prime” world bank financial instruments, or other “high yield investment programs” (“HYIP”s). The fraud artists who promote these schemes often use the word “prime” – or a synonymous phrase, such as “top fifty world banks” – to cloak their programs with an air of legitimacy.”

The thing that allows the bogus ‘brokers’ and ‘investment managers’ of this fraud to operate is that they have created a veil of secrecy over the whole operation. The SEC says:

“Promoters claim that transactions must be kept strictly confidential by all parties, making client references unavailable. They may characterize the transactions as the best-kept secret in the banking industry, and assert that, if asked, bank and regulatory officials would deny knowledge of such instruments. Investors may be asked to sign nondisclosure agreements.”

This ’secrecy’ is what perpetuates the fraud. Simply put, the peddlers of this scheme will tell you that when you do your research that you will find everyone denying the existence of the scheme. They will say that those not in the industry don’t know about it because there would be outrage that rich people could make so much money and those in the industry will deny it because they either aren’t high enough up or are trying to keep it a total secret. They will also tell you that a minimum investment of $10mn is the norm, but they have split up that $10mn to allow their investors in.

This secrecy is the perfect cover, and I speak from personal experience, 15 years ago as an investment pup, to my eternal shame, I got caught in a the same scam.

So we have an ‘investment’ that is supposed to be super secret, has a minimum investment and is not advertised anywhere. Do elements of this ring any bells?

Simply put, the regulators are perpetuating the ’secrecy’ of hedge funds by not allowing advertisement of the funds. Their rules about only being able to invest a certain amount of money did not protect the people in this case who invested $5000, did it? Something tells me the scammers did not check to see what the net worth of the investors was either.

How would advertising funds have helped? As with everything, the fact that advertising is allowed generates an awareness of a particular industry. How many of you knew how to play poker before the online casinos plastered the web with advertising? My limit was ‘Snap’, now I am a stone cold poker shark.

By the very nature of advertising and, therefore, informative web sites, brochures etc etc, this kind of fraud would be more difficult to perpetrate because the veil of secrecy would be lifted for all to see.

Of course, there will always be criminal elements who will attempt to subvert whatever rules are out there but the regulators throughout the world don’t need to make it easy by perpetuating a secrecy myth that can be exploited by the criminal element.

By: Dominic Mazzone, Managing Partner, Regent Global Funds

 

We hear it all the time. “Put your money where your mouth is,” “Skin in the game,” and, “Eat your own dog food.” All phrases that talk about the one thing in the investing world that many fund managers try to avoid. Accountability. When you hear the word accountability these days it usually refers to CEO’s that are on their way to jail, or Club Fed as the locals like to call it. Accountability is, however, now starting to creep into the vernacular of investors who wonder whether or not the person that is supposed to be managing their investment believes in it enough to put his own money into it. A recent Morningstar study of approximately 6,000 fund issues showed that 46% of the stock funds reviewed were managed by fund managers with none of their personal money invested in their own funds. Think about that in realistic terms. You have about a 50/50 shot that the person you are trusting to protect and grow your investment doesn’t trust himself to protect and grow his own investment. That is not only a serious problem of accountability, but what about performance? During my formidable years at USC, I took a Business Development class that was being taught by a former Controller of General Motors (I don’t remember his name and it was during the cheap gas good times at GM). He devoted an entire semester to what he felt was the one thing that made people perform at their best. Motivation. Motivation derived from doing well in the eyes of others is a pretty good source, but it’s nothing compared to the personal motivation derived from something like the well being of your own investment account. Some of the arguments we may hear from fund managers are that the types of investments that they manage don’t fit well in their portfolio because of variables like age, risk tolerance, etc. This argument could be made for fund managers in their 30’s and 40’s that don’t invest 30% of their portfolio into the super conservative fixed income fund they are managing like a bond fund, but there is really no excuse for investing zero.

I have seen a few articles on this subject lately and I thought investors would like to hear about this from a fund manager’s perspective. Being a fund manager myself I can tell you that it is personally stressful for me every time we make a decision that will affect the fund and the investor money we are using. I think any fund manager that doesn’t feel this way is either too detached or on prescription medication. Besides the stress of investing someone else’s money, the thought that also goes through my mind like a hammer is how much money I will lose personally if the investment goes bad. This thought is present for the simple reason that I am heavily invested in our fund and any bad decision will affect me personally. I don’t have the option of having a deal go bad, and say “Well Mr. Investor, we’ll try harder for you next time and I am sure glad it wasn’t my own money that was lost.” I think this kind of accountability is the last and most important check in a system of checks and balances that lead a fund manager to a prudent decision.

The other large problem associated with fund managers and their investors is the lack of accessibility to the fund manager. Now I can totally understand how fund managers of large multi-billion dollar funds can’t speak to the multitude of people investing in them. However, I think the comfort level associated with being able to pick up the phone and speak with your fund manager is absolutely irreplaceable. I say this not only so you can ask questions about your investment or get their perspective on the market, but more importantly to get an overall feel of the type of person that is investing your money. So I think we can all agree about the benefits of speaking with your fund manager, but with accessibility there is a flip-side check in the check and balance system. If the fund manager knows you, there is a feeling of personal responsibility that is created, and that responsibility helps create some caution when he is investing your money.

I realize that we live in a virtual world, but some of the age old principles in life need to still apply. Being personally tied to a result creates the motivation for good performance, so make sure your fund manager is personally invested. Lastly, there is still an awful lot you can learn about someone in a five minute conversation. If you have the option, call your fund manager, or prospective fund manager, and talk to him about his investment philosophy and just try to get an overall sense of him/her as a person. The same five minutes wasted while waiting for your computer to boot up, could be five minutes with your fund manager that, in the end, can make or save you an awful lot of money. So stop reading and start calling and find out who is managing your money.

 

Relates to investment in stockmarkets.

In other words, is there a type of investment vehicle that could be used to make money residually that a non profit group could make withdrawals from in order to help pay costs for cancer patients that have been historically denied coverage by their insurance companies, but have been medically recommended treatments by their healthcare team?