NEW OPPORTUNITIES FOR ONLINE REAL TIME TRADE

The most innovative sectors in investment funds

New technologies, ecology, pharmaceuticals and commodities among most innovative sectors to invest

Mining of gold, green products or projects for sustainable growth ... The new funds allow savers to put their money to work in sectors or countries in which they could not do otherwise. Although in principle are suitable for all types of profile-from the more aggressive investor small savers, who prefer less-profitable but surely, the supply of products with a high degree of innovation in the market is sometimes a risk: investing in companies unknown origin which requires a preliminary investigation. Therefore, if a saver wishes to associate an innovative fund, the first thing to do is learn about the managers who have prepared and which they invest the assets of those funds. Should also be familiar with the companies, sectors and the percentage of such investment, as some may not be suitable for times of economic uncertainty like the present, because they include sectors or indexes with difficulties. Raw materials and ecology. But keep an eye and be always informed.

One of the most striking is the "Mining Fund. It is intended for investors willing to put their money in commodities, anticipating that this sector can be one of the beneficiaries of the current economic crisis, picking up major gains in the financial market. The fund invests in shares of mining companies whose main activity is the production of base metals and industrial minerals such as iron and coal. Within the same sector, the commodity-is another product of similar characteristic: the "Cat Raw materials Caixa", marketed, whose main contribution is to gain long-term appreciation than aggregates formed by 75 % Index "MSCI World Energy" and 25% of the Index "MSCI World Metals & Mining." Lets get the highest possible return for the participant by majority investment in securities issued by high and medium capitalization focus their activities in the field of raw materials, preferably in the euro area, as well as other OECD countries. The rest of the portfolio is invested in monetary assets or debt securities issued short-term also in euro area countries. Another alternative is the bottom "Invest Global Agribusiness", Deutsche Bank, a Luxembourg registered open product that invests at least 70% in companies of all regions and countries around the world involved directly or indirectly with the agricultural industry (farming, production , transport ...).

Up to 30% can be invested in fixed rate assets and floating outside the agricultural sector. Tagged as "green," and developed through the selection of environmental companies in the market, the investment fund "Invest Climate Change" Deutsche Bank invests primarily in stocks of companies that contribute to reducing climate change effects . Alternatively, investors can subscribe is called "Sustainable Growth", which invests in stocks of companies whose goal is sustainable growth. A step further into the green investment is investment in wood (Timber Pictet Funds "), water (" Pictet Water Funds) or clean ("Invest Clean Tech"). It should be known companies, sectors, and percentage of investment funds, as some are discouraged in times of economic uncertainty. The interest of the managers of such funds has led to the Germanic body also includes within its investment proposal another product of similar characteristics, "Invest Gold & Precious Metals, which invests at least 70% in companies involved in mining, exploration, production and distribution of gold, silver, platinum and other precious metals. Another possibility of investing in this sector is going through the bottom "Materials" Ing Direct, which invests in shares of companies active in the field of materials, including chemicals, construction materials, packaging, metals and mining, as well as paper and forest products.

The current supply of investment funds also includes products with some innovative component in the pharmaceutical sector, one of the ones that have been developed over the past months. This is the case of the "Global Biotech", produced by Credit Suisse, which aims to achieve higher returns by investing in dollar assets from around the world through such companies. At least two thirds of these assets must be invested in securities of companies operating in the field of biotechnology and related industries. Within the same modality investment highlights the "Health Care Fund, which offers savers the opportunity to position long term in companies around the world dedicated to the design, manufacture or sale of products and services used or related to health care , medicine or biotechnology. It is also possible to engage the bottom "Oyster Oncology", which invests at least two thirds of its assets in shares of companies linked to the field of oncology, pharmacy and diagnostics. 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.

Treasury bills earning attractive

They offer an interest rate of 4.3%, which beats most of the deposits of one year and is expected in upcoming auctions keep raising interest. What economic theory says: when interest rates rise, the returns also rise of the main financial products safe, as is the case of Treasury bills, long-term obligations, current accounts or bank deposits. Today, with inflation contained at 2.3% at end-May, one of the instruments is precisely the Gold and Treasury Bill. At its last auction, these assets have been delivered to an interest rate of 4.3%, a very interesting compensation now exceeds that are giving most start, some one-year deposits. It is a safe investment that only requires the availability of certain liquidity and not need the money within a year, which is the period for which they are hired. That yes, if you decide to rescue before, profitability will not be agreed, but will depend on market conditions at the time of sale.

But who is interested in Treasury Bills nowadays?. Treasury bills, like all other assets of public debt, interest to the more conservative savers who value, above all, the safety of their savings. In fact, one of the main guarantees is that the issuer of such securities is the state, who undertakes to pay the returns promised in the stipulated period. The support of the State gives these products a little security comparable to that of other assets issued by private companies. The payment of interest and amortization are insured by the Spanish Constitution. In the case of Treasury securities is the maturity of one year. Ciampi Group is a consulting company for company brokerage, estimates that "at this time, with rising interest rates and the possibility that the European Central Bank to act again this year, earning interest in this asset class . "In general, these instruments represent an interesting alternative for savers seek safety and run all types of risk," adds Jose Antonio Lopez-Esteras Camacho, General manager of Ciampi Group

Attractive returns in these days...

In recent years, the vibrancy of the Exchange has even less attractive to the public debt. Investors were side by such instruments when they realized that the market, other assets such as investment funds or the shares were much higher returns. Falling interest rates also contributed to the decrease debt payment, which remained attractive to investors. Today, however, recover splendor Treasury: first, inflation is controlled (closed the month of May at the level of 2.3%) and, secondly, the rise in rates will benefit those assets without risk. The interest rate on Treasury Bill is the highest in the last six years. In the last auction on 20 June 2007 was issued to average interest rate of 4.299%, which contrasts with the interest of 2.64% offered a year ago. Moreover, forecasts indicate that the returns on these instruments will continue to rise in coming months. "Predictably, the European Central Bank announced two rate hikes in the remainder of the year, so that the price of money is fixed at 4.5% at end-2007. With these estimates, of course continue to raise the kind of interest of short-term debt in upcoming auctions..." predicts Lopez-Esteras Camacho.

Projections show that the yields of these instruments will continue to rise in coming months.

The lyrics, well beyond the profitability of current accounts that offer high pay (which at best reach the 4%, as is the case of ING Direct Orange Account) and most of the one-year deposits. In addition, interest of 4.3% offered by the Treasury Bill to one year significantly exceeds the dividend yield over 70% of the Ibex-35 titles. On average, the dividend yield on the index stands at 2.4%, well below the interest of the Bill. The minimum investment required to purchase these securities is not exaggerated. The rating of each title is $ 1,000, and from this amount, the investor may request bonds by multiples of equal value (1000, 2000, 3000). Another aspect worth of public debt should not be overlooked is that through it, the State receives funding to carry out interesting improvements in the country. Traditionally, the Administration portion of the proceeds invested in government bonds in the development of new infrastructures such as public roads, dams and even hospitals. Taxation is also an interesting aspect when investing in Treasury bills. Financial assets are issued at a discount or implicit return as the difference between the amount realized on sales or redemption of the letter and the purchase is paid in consideration of investment income subject, therefore, the income tax. In principle, there is no withholding tax on the return. However, the profits generated in the transfer or redemption of Treasury bills, whatever their term (12 or 18 months) are taxed at a flat rate of 18%.