COMMODITIES SEARCH & ONLINE
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Deposits referenced to commodities and other raw materials
Products referenced with cereals, oil and renewable energy provide returns of between 2% and 8% and 100% guaranteed investment. The rising price of cereals and oil developments of concern to all citizens about the impact they may have in their household economy. But now it is possible to make a return to price increases of these products, since any user can employ these deposits mentioned raw materials, something unimaginable a few years ago. A small group of financial institutions has designed some tanks away from the traditional market, leading to two tendencies: to enrich the current custodian, and improving the profitability offered by traditional deposits, as these products provide the holder returns of between 2% and 8%, depending on the chosen repository.One of the most innovative and original deposit is designed by Caixa Tarragona, which relates investment to the revaluation of certain cereals. His mechanics, despite being an innovative product, is simple. The deposit guarantees 100% of the investment and offers a minimum return of 2% and a maximum of 6%, depending on the possible revaluation of three cereals: soybean, maize and wheat. While the idea is completely new in the Spanish financial system and obtaining a return above the average (6%), this deposit has the great disadvantage of being difficult to follow because of the unique features of this market with the problem added that the values of cereals are at historic highs, with no known scope for further rise.
Linked to the energies: Other entities have also decided to launch new deposits in this case linked to other more conventional materials. Stresses the offer of Caixa Manresa, which has included among its list the product called "Energy 24" which ensures 100% of invested capital and provides a yield of 8% at one year, extendable to a maximum of three, a period in that the appreciation may reach 24% with respect to the evolution of the portfolio of shares to which this product is referenced (three renewable energy companies Gamesa, Iberdrola Renovables and Solarworld). The condition for the above performance is based on these three companies have, at the end of the period, a contribution equal to or greater than the initial one. In the event that after the first year did not get this increase was renewed for another year, can get a 16% by the end of the second year, or 24% at the end of the third. If none of the three years the shares had increased its value against the initial investment is returned.
The deposits mentioned raw materials guarantee 100% of invested capital, so that your greatest risk is that profitability is zero
Caixa Galicia also offers its customers a new type of structured deposits, through the so-called "Premier Brent." This product is referenced to the revaluation of Brent quality crude, and also has the 100% capital protection. This is a deposit quite affordable, since you can recruit from a minimum of 2,000 euros. Its structure, however, is complicated: 50% is set to impose a six months fixed 6.75% AER (6.64% nominal annual). The other half is set as taxation referenced to 12 months, so that the client can receive two types of coupons depending on the future revaluation of the Brent traded on the Intercontinental Exchange (ICE), with a limit of 20%* 100% of the appreciation at maturity of the ICE Brent.
* 4%, if at any time during the index reached a contribution equal to or greater than 120% of its initial value.
Another feature of this product is that, in addition, 50% of the deposit has total availability without any penalty. Ciampi Group Consultants General manager, Jose Antonio López-Esteras Camacho, advices: "No doubt that this is a tempting financial product, given its high returns and no risk, but the deposits mentioned raw materials are not intended for all kinds of users, but especially those who are in contact with these markets, or at least have enough advice to make your investment to a successful conclusion." Should have the advice of experts familiar with the specific market for these products before hiring a deposit indexed to raw materials This is because these are specialty products, which belong to financial markets too complicated to follow. They should be hired at the appropriate time which may revalue the cereals and oil, which only recognizes circumstances and may indicate an expert in these fields. For these reasons it is inadvisable to enter into a deposit of such "blind" as it may hold some unpleasant surprises. Gold, silver and oil are commonly traded commodities. Worldwide based firms offering trading opportunities platforms in global commodity and stock index markets. Commodity Warrants Europe and Asia. The Commodity Warrants Gold Commodity ... the spot market and trading futures market is the timeframe of the transaction for real time and online search for products and suppliers.
Financial products based on football (soccer)
'Top Goal' is the first investment fund of its kind to exist in our country, although the investment required is very high, betting on a football team until recently was only a game, but since last year has another significance: to obtain a return on savings of between 5% and 25% through various financial products. There are several institutions that offer these services and have taken the football fever that exists to design a carefully designed products. They offer deposits, warrants (products that give the holder the right to buy or sell a specified number of securities such as stocks, stock indices or interest rates) and investment funds, which would add the possibility of investing savings football clubs listed on international stock markets, particularly in the index 'DJ Stoxx Football'. Furthermore, this risk passes for customer confusion, which in many cases put their money out of pure feeling, without considering the interest of the product and the initial investment to make. "Risky Product based on sports results... (and referees)
At the moment there are many financial products are born from soccer, although they have developed all the ideas, from savings accounts whose profitability is a function of the goals he sets a team or deposits linked to the position a particular club, to highly sophisticated products such as venture capital funds aimed at investing in young talent before tipping. Indeed, already now can invest in transfer fees for soccer players. Specifically, Sports and Entertainment Agency, GBS and IBESID have recently launched a venture capital fund, called 'Top Goals' which is dedicated to it. It is aimed at investors with capital exceeding 150,000 euros, which aims to achieve an annual return of 25%, as indicated in their promoters. According to the three CAs, this product was created to provide access to a new class of assets not related to financial markets, "high margins historically closed to the financial community," as Juan Antonio Samaranch Salisachs supports one of the promoters of this fund. For the moment, is the first project of its kind to be operated in Spain, "taking advantage of liquidity in the market now," he says. The objective of this fund selling vocation clubs, where new stars are formed football.For Juan Antonio Samaranch "should be players who are between 16 and 23 years, exceptionally to 25 of any nationality, preferably front or attacking players, but given the defenders and goalkeepers, with personality, character and discipline, and a excellent physical condition. " The geographical scope of action of 'Top Goal' are the clubs in the Football League, mainly in Europe, guaranteeing a minimum of 75%, but also the professional league clubs in France, Italy and Portugal, with a maximum of 25 %. Jose Antonio Lopez-Esteras Camacho, an expert investors consultant also agrees on the "particularity" added: "Your money is not just depending on if the ball goes in or not, but also on referees and officials decisions (apart from injuries). That could be too much for some investors heart health..."
The geographical scope of action of 'Top Goal' are the clubs in the soccer League, guaranteeing a minimum of 75%, but also the professional league clubs from France, Italy and Portugal, with a maximum of 25% For operation with an investment committee that consists of a representation of its three founders, plus two independent members drawn from the football industry or technical experts, or the media, with extensive knowledge of international football . Will be completed in time with analysts and financial professionals.
This fund, which is operational since the summer of last year, acquires 50% of the rights of a player with a club that is interested in his services. In the game, will receive an amount and collect the capital gain when sold. So when one of these players sign for another club, will bring benefits to the shareholders of the fund. This profitability, according to its promoters, "can be very high, above average, but has the disadvantage of the high minimum investment to be made, 150,000 euros. Experts alert us to the high risk that investors are set to take positions. "We must not forget that it is a venture capital fund in a sector quite unknown to the average savings, so it is only recommended for aggressive investors with a certain profile and objectively advised," he recalls.
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