Renewable Energy Investment Funds
Renewable energy funds own stocks of companies that produce either the equipment for or energy using solar, wind, geothermal or other renewable energy source. Most clean energy funds also invest in companies working on energy efficiency. Both mutual funds and exchange traded funds (ETFs) are available for renewable/clean energy investing.

Mutual Funds

  • As of the end of 2010, eight mutual funds specialized in clean and/or renewable energy. Through the end of 2010, the three top performing alternative energy mutual funds were the Gabelli SRI Green Fund, Winslow Green Growth Fund and the New Alternatives Fund. New Alternatives is a load fund and the Gabelli SRI Green Fund has both load and no-load share classes. Tom Konrad, CFA and author of the Alt Energy Stocks website has picked the Winslow Green Growth Fund as his top choice.

U.S. Stock Broad Based ETFs

  • The broad coverage alternative energy ETFs hold stocks from all of the major types of renewable energy. Twe ETFs are available which invest in clean energy stocks of U.S. based companies. The two funds are the First Trust NASDAQ Clean Edge US Liquid ETF, symbol QCLN, and the PowerShares Clean Energy ETF, PBW. Of the two, PBW has the much larger amount of assets and average daily volume, important ETF investing considerations.

Global Broad Based ETFs

  • Clean and alternative energy is a global business and many of the best renewable energy stocks are from other countries. Three alternative energy ETFs have a global focus to their stock portfolios: The iShares S&P Global Clean Energy Index ETF, symbol ICLN, the PowerShares Global Clean Energy Portfolio, symbol PBD, and the Van Eck Global Alternative Energy Fund, stock symbol GEX. PBD and GEX are the largest of these funds with similar levels of assets and trading activity.

Sector Focused ETFs

  • Investors who want to focus on a specific type of renewable energy can choose from wind or solar energy ETFs. The two wind energy funds are the First Trust ISE Global Wind Energy ETF, symbol FAN, and the PowerShares Global Wind Energy Portfolio, symbol PWND. The two solar energy funds are the Claymore/MAC Global Solar Energy Index ETF, symbol TAN, and the Market Vectors Solar Energy ETF, symbol KWT. Investors should review the holdings and trading volume of these funds to differentiate the performance potential.

How to Set Up Investment Funds

The investor carefully reads the financial paper in search of a good investment.
Forming an investment company can be a rewarding and challenging undertaking for anyone willing to do the necessary planning required to comply with the laws governing the formation and regulation of investment companies. Many investment fund companies have more opportunities today than they did when the U.S. Congress enacted the Investment Company Act of 1940 because of the rapid increase in size of the securities markets and the subsequent expansion of growth that occurred in the mutual fund industry.The knowledgeable person with a good business plan can set up an investment company with the assistance of an experienced attorney.


  1. Read the Investment Company Act. Become familiar with all of the law’s provisions, especially section 8, Registration of Investment Companies; section 12, Functions and Activities of Investment Companies; and section 31, Accounts and Records. You do not need to become an expert on the law’s contents, but you should be familiar with all of its provisions.
  2. Select a corporate entity for your investment company. Give careful consideration to the responsibilities associated with the important corporate officers you will need to carry out the operations of your investment company. Consult with an experienced corporate attorney to assist you in deciding what corporate entity is right for your business.
  3. Solicit the assistance of an experienced securities lawyer to guide you in completing all the registration forms required to comply with the law. Do not attempt to register your business on your own without first consulting an attorney or another qualified financial professional who is knowledgeable in creating investment fund companies. Give careful consideration to how you intend to invest client money, since there are different laws governing the formation of an investment company that invests in securities, such as stocks and bonds, and managed futures funds, which invest in commodities and exchange traded futures products.
  4. Write a business plan describing what securities you intend to invest in and what corporate business entity you intend to use. Include the startup funds you will need to pay for all legal and registration fees and corporate filing fees. Decide who will manage your fund’s investment policy and how you will market the sale of your investment fund’s securities to the public and register your offering with the Securities and Exchange Commission. Identify in your business plan who will serve on your board of directors and who will be responsible for monitoring your compliance program. Finally, describe in your business plan what your fund expense ratio will be, since this is the amount of money you will charge your clients to operate the fund and is stated as a percentage of total assets, usually between 1 and 2 percent of total assets.
  5. Act on your investment fund business plan by committing your seed capital into the fund, once you are registered and ready to open for business.

Opening Gold Investment Accounts in Malaysia

Gold is a popular investment because it is believed to be a stable way of hedging your savings against inflation. Malaysia offers both residents and non-residents a unique method of investing in gold. Banks in Malaysia allow anyone to open a gold investment account, where your balance is measured in grams of gold rather than as a traditional currency. This allows you to make deposits when gold prices are low, and then withdraw the funds at a profit when the price of gold rises. You can even opt to receive gold wafers instead of cash when you withdraw funds.


  1. Travel to Malaysia. You will need to visit a bank branch in person to open a Gold Investment Account. The best city to travel to is Kuala Lumpur. This is the capital city of Malaysia, and is also regarded as the banking center of the country.
  2. Choose a bank at which to open your account. There are two options available. One choice is to go to a branch of Maybank, which offers a “Gold Savings Passbook Account.” The other choice is to go to a branch of Public Bank, which offers a “Gold Investment Account.” The options are nearly identical. The only difference is that Maybank requires you to purchase five grams of gold when opening an account, while Public Bank requires you to purchase 20 grams of gold.
  3. Visit the branch with your photo identification to open the savings account. You’ll need this this account so that the bank can deduct any fees associated with your gold investment account. It also provides a convenient place to transfer the cash in the event that you decide to withdraw some of your gold.
  4. Open your gold investment account and link it to the savings account you opened. You will need to buy a minimum of grams of gold, depending on the bank you’ve chosen. Remember that your account balance will not feature a currency amount. It will list the number of grams deposited, and mention the rate at which the grams were purchased (or sold, in the case of a withdrawal).
  5. Monitor the spot price of gold each day and continue to purchase more grams of gold any time the price falls below your desired threshold. You can deposit gold in your account using funds from your savings account, by visiting the bank with cash or by mailing in a check. Your account balance will be upgraded to show the new amount of gold in your account.
  6. Withdraw some of the gold from your account whenever the market price of gold reaches your target level for making a profit. You can exchange the gold for cash to be deposited into your account, or you can opt to receive 24k pure gold wafers for the withdrawal. If you are withdrawing gold wafers and are not at the branch in person, a fee will be deducted from your savings account to cover the shipping costs.

How to Become an Investment Banker
Investment bankers are in the business of underwriting investments on behalf of organizations looking for money to finance expansion plans or operations. In addition to advising clients on the best way to raise funds, investment bankers also oversee initial public offerings, or IPOs, mergers and acquisitions. The banker also sells the securities for clients. The path to becoming an investment banker often begins at a prestigious university.

Start with a Financial Education

  • You can start in the field with a bachelor’s degree in finance, accounting, economics or business. An internship during your senior year can open doors to entry level jobs. If you want to advance at most investment banks, however, you should pursue a master’s in business administration, or MBA, with a concentration in finance. If you want to work for a large bank — where most investment banking jobs are located — you need to excel as an undergrad to assure entry into a top MBA school. According to efinancial careers, an extensive overview of resumes revealed that most investment bankers at big banks earned their MBAs at Columbia Business School, with Harvard, MIT, Yale, Wharton and London Business School running just behind.

Earn Your Creds

  • While you’re working in an entry-level position, or before you even enter the field, you’ll need to earn a license from the Financial Industry Regulatory Authority (FINRA) to be able to sell investments. There are a host of credentials you can earn by passing examinations through the licensing agency, ranging from a Registered Options Principal to a General Securities Representative. For example, if you pass the Series 26 exam — also called the Investment Company Products/Variable Contracts Limited Principal exam — you can solicit, buy and sell redeemable securities of companies. Successful completion of the General Securities Representative, or Series 7, exam qualifies you to purchase and sell all securities products, from corporate and municipal securities to variable contracts and investment company products.

Get In the Ground Floor

  • Investment banks often hire entry-level financial services bankers for a period of two or three years to see if they perform sufficiently before promoting them to higher-level accounts. According to the Bureau of Labor Statistics, it’s called an “up or out” policy and serves as a breeding ground for successful investment bankers because banks don’t want to keep those starting positions filled by poor performing individuals. For example, with a bachelor’s degree in finance and a Series 7 credential, you could work as a securities sales agent and train under a more experienced analyst to refine your sales strategies. You might start by just managing existing accounts for senior bankers. Employers usually provide extensive training to entry-level securities agents. Find entry-level jobs and additional training by attending conferences and networking through industry organizations such as the National Investment Bankers Association and the International Association of Investment Bankers.

Prove Your Worth

  • Once you’ve attained your MBA — a prerequisite many employers require for advancement — you’ll need to prove your value primarily by bringing in new accounts and meeting and exceeding sales goals. Additional FINRA designations also can help you advance. Leadership qualities are valued as well, paving the way for supervisory and management positions. In addition to being high producers, successful investment bankers need the kind of expertise that lets them make split-second decisions as markets shift, build lasting relationships with lucrative clients and develop cold-calling skills to generate new business. Exceptional math skills also are vital to be able to judge profit margins accurately and quickly.

How to Find Investors for a Business Startup

A business startup is one that is in the “pre-seed” or “seed” stage of growth. At these very early stages, the business has generally not yet perfected its product or seen substantial revenue. Entrepreneurs looking for investors at the pre-seed and seed stages should target friends, family, associates and angel investors (non-professional venture capitalists, essentially.) With a great business idea, a way to thoroughly communicate it, and a commitment to networking–an entrepreneur can find investors to supply $5,000 to $500,000 in early-growth funding.


  1. Prepare all of your marketing materials. Do not approach anyone empty-handed when proposing an investment deal. An elevator speech, teaser email, completed business plan and investor slide presentation should all be in place first.
  2. Put your networks to work giving you warm introductions to angel investors they may know. Most angel investors are retired, not aligned with any angel-investor association, and worth between $500,000 and $1 million.
  3. Visit the websites of the Angel Capital Association and the Angel Capital Education Foundation. “Entrepreneur” magazine cites these as the two most prominent angel organizations. Both list about 200 angel groups each. Search for angel groups by region; most angels prefer to invest in business startups within 100 miles of their home or office.
  4. Send “teaser emails” to angel investors and potential angels. A teaser email contains a description of what your company does, some reasons why your business is in a special position to see high growth in a short time and a call to action. That is, the teaser email must ask the potential investor for the opportunity to present your slide presentation.
  5. Create a profile at one of the major crowdfunding platforms, such as RocketHub or KickStarter. Crowdfunding is an alternative business startup funding source based on “donations with rewards.” Most new businesses do not do well in crowdfunding, but those who do have raised hundreds, thousands or, in one case, over $200,000 in business startup capital.

    Open a new account, upload a photo, and write a tagline and business description. Set a target fundraise amount, a fundraise deadline, and a list of rewards for donors. If you succeed in reaching the fundraise level by the deadline, you keep all the money and any excess. If you fail, you receive none of the money, and all the donors get their pledges returned.

Getting Return on Investment From Your Marketing

As per the NatWest Quarterly Survey of Small Businesses in Britain around 17% of little and medium measured organizations in the UK look for advertising counsel each year, however not as much as half of those organizations consider the promoting guidance they got to have been a win. A fizzled promoting effort can be a noteworthy budgetary misfortune for a littler organization, a substantial monetary expense with next to zero return puts a scratch in the main issue and keeps down development for the business or far and away more terrible.

So how would you give yourself and your business the most ideal possibility of getting degree of profitability from your showcasing spend? Well firstly do some examination, ponder the clients or customers that you are trying to draw in, this may incorporate topographical area, spending power, sex, age, social class or business sort and size. Think how the objective market that you have characterized may look for the administrations of a business, for example, yours. Will it be on the high road, on the web, in the neighborhood papers, magazines or national papers or possibly yours is a business where it is imperative to contact your potential customers or clients straightforwardly via mail or phone.

In all likelihood it will be a blend of a few of these media choices that will give the ideal answer. One specific tip would be to consider each media alternative precisely and never settle on quick choices regardless of the possibility that displayed a decent cost to ‘purchase now’. Cost is clearly a thought anyway, it is constantly great to ‘test the water’ with a specific media before submitting a vast rate of your showcasing spending plan to it.

Financing Real Estate Investments

Financing land speculations is critical for any property speculator. Numerous moneylenders are all the more ready to give venture credits since they can add your assessment benefit to your advance application. In the event that you require reserves for your new speculation there are various ways that you can think of what you require.

The principal alternative is to go for an ordinary bank contract. Banks do loan cash for speculations and additionally customary home loans, however you may find that your alternatives are somewhat distinctive to a conventional home loan. It helps in the event that you have a decent financial assessment. Provided that this is true, you will have the capacity to discover advances with a lower loan cost. It looks around keeping in mind the end goal to discover the terms that work most to support you.

Top 3 Most Popular Online Investments

The meaning of venture manages putting in some measure of exertion with the desire of profits later on.

Monetarily, a speculation suggests placing money into a business or a security in advance with the desire of benefits later on. The speculation vehicles open to us are for the most part wide. So wide that i have chosen to limit the extension down to the three most prevalent types of speculation on the web.

Here are the main 3 most famous online speculations on the web today.

Online Currency Trading

The top spot needs to go to cash exchanging as it is the most normally contributed market on the web. This is chiefly in light of the fact that it takes next to no to get included in the online coin market. Most online forex specialists offer smaller than normal or miniaturized scale represents as meager as $20. Be that as it may, without appropriate forex exchanging techniques the amateur has no possibility on making steady benefits over the long haul. Fledglings ought to never hurry into exchanging forex with a live record. Exchange on a demo represent a couple of months at any rate to get a grip of the forex market. Maintain a strategic distance from any exchanging courses or computerized signals that claim the incomprehensible, they are just attempting to offer an item.

Balloon Power


The whole world looked as the adventure of the “inflatable kid” unfurled. The CNN’s, BBC’s, Newspapers, Radio and each other trustworthy news media secured the loathsomeness of a kid taking off through the sky unsafely near meeting a less than ideal destiny.

At last it was a HOAX. The whole world had been hoodwinked by an egocentrically, uneducated, egotistical screwball, or was this man a “wacko”.

One could contend he is a virtuoso – (distorted and turned however). Utilizing normal family things he sorted out an inflatable, then utilizing his phone, he cautioned the universe of the frightfulness which he had covertly seen, planning to procure huge prizes out of his coordinated show.

Stunning!! So envision this, if the inflatable kid’s dad child combo can persuade the whole world media at an ostensible expense – How for divine beings purpose can a straightforward individual, say like me, have even a remote opportunity to survive the terribly over financed, advertising effort coordinated by media heavyweights to trick you into purchasing an offer in an organization? (more…)

Understanding Growth and Income Invesments


A development financial specialist concentrates a greater amount of his consideration on the future prospects of an organization. Not at all like quality financial specialists, he can get tied up with an organization that is exchanging over its reasonable worth, yet has the possibilities for development. These organizations become quicker than others in their classification, this is the place the development financial specialist centers while contributing, and not on the present book esteem. Youthful organizations fall under this umbrella. Their contention is that as the organization is developing in incomes, it will straightforwardly interpret into the development of the offer cost of the stocks. Here, benefits are made through capital gratefulness and not through profits, as about all the cash they understand for the year or quarter are put once more into the organization. They don’t pay profits.

Then again, salary contributing means picking a straight forward organization stocks that gives constant flow of pay to the speculator. A large portion of the times, when speculators are discussing relentless wage; they are alluding to some settled wage that comes as bonds, yet it ought not be constrained to bonds securities alone. High profit paying stocks can similarly give a strong wellspring of unfaltering pay. Along these lines, salary contributing means searching for and finding those classes of organizations to put resources into. On most events, Old and propelled organizations falls under this class. These are organizations that have achieved certain level of development, and can be said to be at the crest of its vocation and are no more ready to contain a few levels of development once more. These organizations are no more in the quickly developing or extending commercial ventures. So toward the end of the quarter or year, they hold their benefits to themselves, and rather than re-contributing these returns, they pay them out as profits or reward. This is a method for paying back to their financial specialists who has been remaining by them.