Investment options in crisis to be aware of
Global crisis makes us confused with where to invest? Stock prices in free fall, fear of default of corporate bonds. Do you have to hold the cash for months? Oops dong ga no added value. So what to do ya? This question must often arise within the rubric of investment, radio talk shows or seminars.
Stock price dropped dramatically so that it no longer attractive, collectible but still interesting if you have spare time could at any time in front of computer monitor price movements. Why? You can do the daily trading. Diligently read the newspaper so that you know the latest issues concerning the economy, the news about the issuer. Morning when the market opened to buy stocks that will get better about the price. You must at all times in front of a computer because once the stock price goes up or down 5% direct selling. Never let your funds stay. The market is very difficult to predict.
No passage of the real sector due to banks not to disburse loans to corporate bonds are not attractive for the investment instrument, given the possibility of default is very large. Also due to the decreased purchasing power so that corporate income is also down and many mills that reduce the amount of labor because they do not have the funds for production. The machines run just to keep from being damaged.
Coupon corporate bonds are not much different from the interest rate on bank deposits. Currently banks give interest rates average 10% pa for a minimum nominal amount of USD 100 million. For a nominal more than that there is usually a special rate, depending on negotiations. But you must be careful in choosing a bank.
Here are the things that must be considered:
- Banks are not managed by people who have a bad past.
- Good financial performance such as Net-performing loans / Loans (NPL) <5%, Capital Adequacy Ratio / Capital Adequacy Ratio (CAR)> 8%, liquidity can be seen from the Loan to Deposit Ratio / Credit to Deposit Ratio (LDR) approximately 80%.
- Bank has a future because it is engaged in financing the specific such as agribusiness, small and medium businesses, and others.
If you do not want to invest in money market or capital market, then there are alternative investments that may be appropriate to consider the business diner / restaurant that bargain price, a cheap coffee shop or cinema / dvd cheap. Given the purchasing power people have started to fall and the investors who’ve lost quite a lot of funds in capital markets need entertainment so as not to stress the food stalls and coffee shops are cheap to be a meeting place with colleagues to eliminate long. Usually they discuss what steps to do next if you have more money, although the implementation may still be one or two more years.
Economists predict that the new capital market revival began in 2010, faster 6 months or 9 months from the real sector. And maybe a new peak of 2012. So it is still very long. Perhaps one of the top investment alternatives can be your choice while waiting for the improving world economy.
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