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Fosters wealth today is no longer dominated by men. Women who manage their own investments were already a lot, even though the goal may vary, ranging from wanting to have a small investment to intend fully independent and not depend on him for all his needs.

But most women have difficulty in fostering investment considering that lavish lifestyle attached to him. Well, there are a few tips that could be considered for women who want to invest.

Here are some tips to manage investments for women

1. Lifestyle such as what is your dream?

When you want to start investing, first determine its purpose. Do you want to buy tens of millions every month? Fund the future of the children? Want to stay home more than working normally? Capital for business? Buy a house? What are your goals?

So the goal is important? Most women usually do not care about the purpose of investing, which is important to make a lot of money. If it wants it, just marry a rich guy living a high income every month.

These recommendations are usually out of the mouth of another woman, even though the world has changed, now she has the equivalent of a man is no longer a creature who must depend on the adam.

The goal of investing is not always just to collect money-much in a short time. However, there is something more profound than an investment, which teaches you manage funds and assets that can ensure you are living a dream so far.

For some women, life dream is to work at home so they can spend more time with the children. For some others, intends to boost funds enough to be a trip to another country.

Because you will set aside some money, then you should design the target. These targets should be reasonable, do not let your dreams destroyed by targets that are too grandiose.

2. Women do not need a man to be rich

The idea of ??women need to be a rich man has become a myth that only happened in the past. Stocks, bonds, property, patents, copyright songs, and the brand can be owned either by men or women. All this is an investment instrument that could be a money machine.

Once you determine targat in investing, begin to familiarize themselves with these instruments. No matter you are male or female, investment instruments are not dependent on sex to make money.

Choose a suitable investment instruments according to you, focus on the initial investment value, try not to burden your finances as a whole. It would be better if you select more than one instrument to reduce risk.

If all goes well then this investment will make your life much better and makes you independent. There is a good idea to consolidate finances before deciding to get married.

In time, after the man entered the life of your dreams, this investment can you mix together so that the road to dreams more quickly traversed. But, you do not need to wait for a soul mate to be able to earn a decent living.

3. Successful investment is starting early

Little by little for long into the hills. Start saving early. Set aside some money into a special savings account that should not be contested.

The sooner you save, the longer period of time it takes to grow. To begin with, you do not need to set aside in large quantities. Just a little but try to keep each plus you have more money.

Once reaching the desired funds to start investing, immediately look for an instrument that you want and then enter the fund. Spend your money back, this time savings but do not go directly into your portfolio.

4. Do not waste your investment, extend your investment

More saving and investing, which means more money you can make. You can start a side business, improve your skills, search for additional knowledge, or monitor the market movement. Whatever can be done in order to seek more money.

It is very normal for most women when just benefit from the investments, directly simply want to spend. Sometimes even for goods that are not necessary.

Proceeds from this investment can be invested in other investment instruments, for example, if you’ve just got a profit from stock investments, the funds can be used to enter the property or be a capital injection of a small business.

By diverting money from this investment into a second instrument, so make sure your daily life can be fulfilled with the usual salary you can. Do not let your lack of funds for daily life because of forced entry into the second investment instruments.

5. Consider a prenuptial agreement

Women are entitled to the protection of its assets. Usually, it was the man who filed a prenuptial agreement. But really you are also entitled, to ensure if the worst happens then your assets will not be lost.

Each spouse usually has the commitment of each, including agreement on a prenuptial agreement. If you as a woman had a large enough asset value, you really should consider taking this agreement.

How do you know this is a prenuptial agreement you need? Below are some steps you can follow before hiring a wedding organizer:

Do you have investments and assets worth millions and even hundreds of millions of dollars?
Do you have a business that pioneered from the sweat of his own, although it is still small but has great potential to grow, and you do not want to lose this asset in the event of divorce?
Will you be prepared to inherit from a parent or other out?
Is there a possibility, although small, your partner will be having an affair now?

The most important thing here is not to those of you who have difficulty taking care of the zero investment suddenly had to throw it all for love.

6. Build a solid portfolio

A portfolio can be spelled solid, if you invest in some instruments, but each component is monitored and well funded so no need to worry about the loss. Thus, you can concentrate on other things more important than every second should supervise your portfolio.

How to invest real women do not differ much with men. If these tips it is still not, still a lot of information about whether it intended to invest in women and men that circulate on the internet. So no need to rush, gather as much information before you start investing.

Who would have thought, among all types of mutual funds, money market mutual fund products has scored an increase in Net Asset Value (NAV) the highest so far this year, which amounted to 49.47%.

Of the nine products that are classified together with mutual funds, six of which NAB decreased, while the two others accompanying money market funds notch gains.

As a note for the uninitiated, what NAB is the position of customer assets under management. This term is used to name the position of the customer portfolio.

Well, based on data from Information Centre, published Mutual Funds Capital Market Supervisory Agency & Financial Institutions Supervisory Agency. which recently reopened after being closed for 2 years for no apparent reason, the champion of the highest NAV increases until last week was the product of mutual money market funds.

In total, the position of the entire product mutual fund NAV per weekend was recorded at Rp 117.291 trillion, edged up 0.47% from the end of 2009 amounting to Rp 116.732 billion.

While the number of units of mutual funds that bought up last week as much as 71.350 billion units, up 1.96% from the position late last year as much as 69.978 billion units.

Looking at the ratio of the growth units are much higher than the increase in NAV which only rose slightly, indicating that most of the assets under management decreased a lot.

Sure enough, when translated it turns out most of the NAV per types of mutual funds has decreased.

Bapepam-LK classifies nine types of managed funds products namely
1. Mutual fund shares.
2. Money market funds.
3. Mutual funds are a mixture.
4. Fixed-income mutual funds.
5. Mutual funds are protected.
6. Index mutual funds.
7. Exchange Trade Fund (ETF) shares.
8. Fixed income ETF.
9. Sharia.

Of the nine types of products managed funds, the NAV 6 are decreased, while the ride is only 3 products. Fixed income ETF products recorded the highest percentage reduction in NAB this year, which amounted to 34.18% from Rp 629.33 billion at the end of 2009 to Rp 414.194 billion at the end of last week.

Product index mutual funds came in second place with a reduced NAV worst of 28.63% from Rp 290.190 billion at the end of 2009 to Rp 207.093 billion at the end of last week.

Then type ETF shares decreased 11.46% from Rp 45.130 billion at the end of last year to USD 39.958 billion at the end of last week.

Product fixed-income mutual funds NAV decreased by 5.81% from Rp 20.087 trillion at the end of 2009 to Rp 18.919 trillion at the end of last week.

Mutual funds are also protected in total NAV decreased by 4.19% from the end of 2009 amounting to Rp 34.623 trillion to Rp 33.170 trillion at the end of last week.

Finally, the product mix of mutual funds that declined by 2.49% of NAV of Rp 15.657 trillion at the end of 2009, to Rp 15.267 trillion at the end of last week.

If the total, NAB position 6 of the above products at Rp 68.017 trillion at the end of last week, down 4.64% or Rp 3.314 trillion from the end of the year 2009 amounted to Rp 71.331 trillion.

Fortunately, the increase in NAV 3 other products managed to lift the total NAV of funds under management of products, mainly supported by the increase in NAV money market mutual fund products to become champions.

Meanwhile, shares of mutual fund products and managed funds contributed to the increase NAB sharia, though not for money market funds.

NAV of funds under management in Islamic weekend was recorded at Rp 3.675 trillion, edged up 0.1%, or USD 4 billion from the end of 2009 amounted to Rp 3.671 trillion.

Then the position of an equity fund NAV at the end of last week stood at Rp 37.795 trillion, up 3.53% or Rp 1.288 trillion from the end of 2009 amounting to Rp 36.507 trillion.

Finally, the product of money market funds recorded NAV of Rp 7.801 trillion at the end of last week, soared 49.47% or Rp 2.582 trillion from the end of the year 2009 amounted to Rp 5.219 trillion.

NAV total 3 products are recorded at Rp 49.271 trillion at the end of last week, up 8.53% or Rp 3.874 trillion compared to the position late last year was Rp 45.397 trillion.

The increase in NAV money market funds, either from its nominal value and the percentage increase in sustain success throughout the NAB product funds under management, at least until last week.

For the record, the position of NAB entire product funds under management now amounting to Rp 117.291 billion was the highest in the history of the Indonesian capital market.

So, why money market mutual fund products incise sheen so big this year?

Mutual fund money market funds under management which is a product placement of funds allocated most (80%) in savings deposits, time deposits and certificates of Bank Indonesia (SBI), while the rest in debt instruments of short term (less than a year).

In simple terms it can be concluded, that the increase in NAV money market mutual fund products is due to the substantial amount in this product portfolio and increased customer value in these instruments.

The question then, why is there a massive interest in investing in savings instruments, deposits, SBI and short-term debt?

The answer is simple. Recent economic projections indicate that global economic recovery “scheduled” to start the second half of 2010.

Economic recovery, usually accompanied by a demand or purchasing power at odds with the production or supply of which is known as inflation. The greater the ratio of inflation, within the context of economic recovery means that an increase in demand rather than supply position.

Well, projections indicate an increase in inflation will always increase the benchmark interest rate of Bank Indonesia (BI Rate). Therefore, the ethics of economics, the interest rate the bank can not lower than inflation.

Therefore, easily be concluded that the recommendations of the economic recovery led to expectations of an increase in Bank Rate in the second half of 2010, as many analysts had projected, even though the BI officials pitched the same.

The increase in the BI Rate, of course, will make the interest rates of savings and bank deposits and SBI have increased. And it certainly will provide increased margin (yield) on such products.

So naturally, when some market participants are now chasing money market mutual fund products, driven by expectations of an increase in the BI Rate, hoping to reap profits amid the global economic recovery sentiment.

European crisis is prolonged, the decline in yield or yield on U.S. government debt securities and the deterioration of the dollar has become more ‘shiny’ than gold. Investors began to ‘dilute’ gold for dollar assets.

The price of gold which had hit a record high of U.S. $ 1,900 per ounce during September, there were already dropped to 8% in 2 weeks. The largest decrease to a quarter occurred on Monday (9/20/2011) yesterday.

In recent months, gold has been regarded as one of the most solid safe investment, especially when developed countries have to face the economic slowdown and the high debt that should get a stream of liquidity, along with a weakening currency.

In addition, fiscal and monetary policy stimulus that is feared could trigger massive inflation that pushed gold prices.

But fears of a Greek default could drag other European countries, and could further lead to loss of the European banking system led investors are turning to the U.S. dollar is considered more secure.

“People began to move straight to cash rather than seek alternative safe assets such as gold,” said David Meger, metals trade director of Vision Financial Markets was quoted as saying by Reuters on Tuesday (20/09/2011).

Some money managers also expressed his own view of his prudence.

“I’ve pulled my horn a bit, and stay close to neutral. The things in the back of my mind is the situation in Europe,” said Gregory Whiteley, who manages a portfolio of government bonds in Dobleline Capital assets of U.S. $ 16 billion.

Loomis Sayles Vice Chairman, Dan Fuss who manages foreign assets up to U.S. $ 160 billion, said the company increased exposure value of assets the U.S. dollar during the summer because no easing of the problem in Europe and the U.S. economy began to grow.

Said Fuss, Loomis dollar exposure has increased from 60% to 70%, while the exposure of non-dollar decreased from 40% to 30%.

“We increased exposure to assets in U.S. dollars are also due to the world a little scary. There is a short-term tactical movement. That said, the U.S. still owes very much as the best place in the world,” he said.

John Taylor, chief executive officer of FX Concept which manages the fund up to U.S. $ 8 billion, said he still holds a long position for the U.S. dollar. Taylor, who last year predicted the U.S. could enter another recession in 2011 also said he still believes ‘bearish’ for U.S. stocks.

Some analysts said the decline of gold may be a sign, investors who have entered since the beginning of starting to take profits.

As is known, enter the gold earlier this year at a price of U.S. $ 1,400 per ounce and gradually rose up through U.S. $ 1,920 per ounce earlier this month. But slowly, the price of gold are now beginning to recede.

“Gold has lost a little luster, but gold is one of the few assets that has scored short-term gains for everyone lately,” said Greg Salvaggio, vice president of Tempus Consulting.

While Adnan Akan, head of forex Fischer Trancis Trees & Watts In fact, gold might include some assets that investors can be sold to cover losses in stocks and other risky assets.

After the collapse of Lehman Brothers in mid September 2008, he said gold initially rose to 15% as investors sought a safe place. By the end of October 2008, gold actually fell 20% as investors must satisfy margin calls or risky trades.

“You get nervous, volatile movement as we see now and people have to sell what they have,” he said.

The same mechanism tends to push the U.S. dollar at a stressful time for investors who buy at the lowest interest rates to buy assets that yield higher, should hurry to buy back the assets when it began to fall in value.

Some people predict the financial market volatility will continue until the next few months and through many challenges.

One of the things that could be considered is the concern over the economy of Europe and the United States (U.S.) go back into a recession.

Debt crisis in Europe today is like a wounded wild animal, at times can become very serious threat. While the U.S., the Federal Reseve can not seem to do much, though it lowers the interest rate of short and medium term.

But, of course ‘tarot cards’ the analysts are not always right. European leaders could have suddenly found a way to resolve its debt crisis, local banks recapitalize and pay its debts.

Meanwhile, from Washington, might suddenly appear the way to thaw the frozen mortgage. Employment so that re-grow. However, all these predictions are too optimistic.

According to the Investment Planner Harris Private Bank in Chicago, Jack Ablin, as quoted by Reuters on Thursday (10/20/2011), there are five steps that can be done in the face of poor market:

Arrange the right strategy before the market gets worse
If you want to invest in stocks, there are opportunities in the bearish market. You can buy high quality stocks when the stock market crashed. Find a company that will provide dividends in the near future. If you do not want to spend too much, invest gradually through stocks that give dividends after that you can get out.

Plan before you invest your money
Cash is never a ‘god’ before finally drop the exchange rate. But that does not mean you are not able to benefit from the money. Focus on short-term needs first, such as emergency funds, insurance expenses, tax bills and others. Avoid save money on insurance or banks that have exposure to Europe. Find low-interest bank deposits but safe.

Fatten ‘pension fund’ you
Pension fund is not the annuity, but the more money you can make from the stock market. Do not stop investing just because the market is down. You can buy more shares so the index drop. Find good companies, not only in domestic market but are looking to developing countries. This is the best way to get a big profit.

Protect your assets
Do you have various kinds of insurance or a deposit for a house down payment that will be used in the near future? If so, there is no point you enter the capital market. Le bi good concentration prior to the above. Better you look for housing loans (mortgages) Bergman low or insurance with premiums that are not too big to secure your assets.

Be honest to your financial adviser
If you think the risk has begun to rise, you need to communicate with your financial adviser immediately. The most serious question is, you are ready to lose up to how much? Is 10 percent, 20 percent or not at all? If you’re approaching retirement, ask your financial adviser to hedge against your stock portfolio when the market is falling.

Who can be trusted to protect you? Reliable advisers will listen to your concerns and aspirations. Actually, no matter what the situation if the market moves as financial advisers are working according to your wishes. If they do their job well, no longer need any term bullish or bearish.

If you see Indonesia unilateral economic conditions and pay attention and feel the impact of global economic influence, that  arrangements necessities of life for us who have financial mediocre been divided according to needs or household items. There is no denying that the funds or salary received in one month is not enough, as an example of employee income Rp. 2,500,000, – by the number of family 4 people (husband, wife and 2 children who have been in school), so obviously can not make ends meet alias is still lacking, this if not supported by other income, meaning that works of a husband.
To overcome the things of this book present  very helpful in doing a side business that needs to run well, a side business are manifold and can be done around the place each of our lives, if our ability supported by a hobby, then the business as a hobby It can also bring in money According to the author of this book that prosperity is not closed the door for us who want to try, careful in the use of time, have the ingenuity to find opportunities, then we can build our own business empire.
The book also provides a wide selection of types of businesses that can be done outside of office hours with relatively small capital and does not require a complicated-complicated operations. Equipped with the analysis and cost required to manage the business according to our financial ability.
Efforts to offer the service sector al; washing motorcycles and cars, event decoration, cut grass, translator, private lessons, boarding and contract info, job info, etc.
The field of food and drink al; catering, sell ice cubes, sea food, coffee, various juices, drinking water refills, etc.
Field Cultivation al; Pockets semar, anthurium plants, arowana fish farming etc.
Investment field, the field of clothing manufacturers, field rental, field care, field repairs, etc. The shop area.
So that you are not curious and want to get a more concrete guidance can immediately you have this book and can be obtained at the Scholastic bookstore.
Good luck and success always.

Side of Successess Success,  this side business, a viable alternative for most people who want to earn extra income. These business opportunities are a lot of run time employees who have employment income, but loose enough mediocre, the housewives who want to earn extra income for their families, or students and students who want to earn extra income to meet their daily needs.

In starting a side business, most people prefer to choose a business opportunity that is easy to administer and the risk is small. Because in addition to running the business, they also wanted her daily routine is not disrupted. So, they can still divide their time between business dealings with their daily responsibilities. Successful side business, crackerjack wrong.

consumer
As noted earlier, many side business opportunities  employees, housewives, and students and students. So the target market is very broad, ranging from co-workers, close relatives, neighbors of your home, school friends or classmates. The important thing is to expand the existing community networks, in order to target your customers more knowledgeable.

Why YOU Should Start Learning Internet Marketing & Seeing Business Opportunities Online From Now!

• Every day more and more Internet users. It means “market” on the Internet is increasingly not limited!

• There is no ‘global crisis’ in the world of Internet Marketing. What happens is the opposite! More and more business opportunities, and growing every day!

• Internet Marketing or online business simply run in the house! Not subject to a standstill, especially in the rain!

• When you understand well and mastered the science of Internet Marketing, you could be selling ANYTHING, and TO ANYWHERE, at will your … heart’s content!

• In today’s world, and especially the coming years, the person capable of uniting with TECHNOLOGY SCIENCE is they who will emerge as winners. They will be more advanced and richer!

If you are blind about investing in stocks or bonds, then invest in the property is actually a lot easier.

Investing in property means you do not need to know about the mystery of capital markets and securities firms involving his friends, there are only two main parties: the owners and tenants or buyers. Of the right to use property, the tenant must pay some money to the owner. During the electricity and water still flows and the rent on time, both parties remain happy.

As a new investor, you should consider to get into the property prior to other investment instruments like stocks and bonds. The easiest way to buy a home, remodeling a bit, then look for tenants.

There are many ways property investors earn extra money without actually working from morning to evening. Some of the categories below are the types of investment property, that you can consider as an additional income or even your main income:

1. Residential

Invest in residential property means you buy a house, apartment, or apartment. The cost of investment in property of this type is the most expensive compared to other properties. After purchase, you can sum up the tenant or sell it back.

You can perform a variety of reforms to the property before you buy leased or marketed. Creativity in the remodel determining rents or sale price of your property are.

2. Commercial Office Buildings

Investing in property of this kind need substantial funds. Because an office should have some supporting facilities, not just an ordinary house building. Need some renovation if a house be used as the office, except from your initial purchase or build a special building for offices.

Tenant office buildings like this are usually small companies that are still in developing stage or small and medium enterprises (SMEs). The exact location for this office building located in an area crowded and not too far from downtown.

3. Industrial Property

Included in the property in the industrial park area of ??warehousing, among others, for example, car parks or buildings with special use. If you buy properties like this should be leased for long periods of time, because the profits would be higher than you sell it.

Because the lease on the property such as this have the additional cost from the tenant because the room is used for business so that more benefits you can. In addition, you can save a self-service drinks machines use coins for extra income.

4. Shopping complex

Property belonging to this mall many kinds, ranging from a small shop in a house, shop and even up to a big mall. Typically, if you have one of these properties for rent, part of the profits of the tenant also becomes our right, of course, in accordance with their respective agreements. Additional funds from the profits of the tenant is usually played back for the care and renovation of the property.

5. Multi-Use Building

Multi-use building is some combination of the above categories are gathered under one roof. For example, if you have enough money to buy a small building, or maybe some money could be obtained from the bank. So that payment is not too heavy, you can ask the bank to open outlets in the bottom floor, while for other floor you can find a tenant.

Banks that lent you the money will restore some funds to you in the form UAG lease, so the debt and interest payments are not too heavy. Continue looking for the right tenant for an empty floor, preferably with diversified types of businesses so it can better attract visitors.

Well, technically, to lend some money to another party which they used to buy the property can be included as an investment property. However, such loans were more inclined towards fixed income investments or similar bonds, because you lend money that was guaranteed a property.

Flowers are given to you in accordance with the agreement previously agreed upon. If there was a big gain or loss on the property which you lend money, it has absolutely no effect on your profitability.

Thus, property investment instrument Observe this well before you start investing.

Lately businesses growing franchise in Indonesia. For those of you who own a business and want disfranchise out to investors, following some of the main requirements of a business or franchise business can be made:

First, efforts must be successful before you wake up. Measure of success is not just a matter of months. At a minimum, the franchiser needs to prove the success of business in the last three years. Less than that, not yet a reason for the prospective investors to buy it.

Second, ensure that the franchisee can succeed. That is, built by the franchiser’s business is very profitable and the trend shows increasing sales performance. Do not let your intentions just to get a franchise fee or implementing short-term targets without considering the factor of the franchisee.

Third, business can be operated by the investor. You or your staff should be able to train prospective investors to run the business in the not too long.

Fourth, you must have a user manual for all business operations, whether daily, weekly and monthly .. The goal is that the franchisee can run the business according to the instructions manual systematically as you did to achieve maximum results.

Fifth, the product you sell should have a market appeal in the long term. Some products have a very short life circle, especially for fashion products. You have to think about the concept of the product so that it can survive long in the market. Therefore, you must have a product differentiation or uniqueness.

Sixth, can be run in various places. That is, the business can be run at various places in accordance with business requirements and can be moved to another location, including overseas.

Seventh, your business must have sufficient market potential to be enjoyed by the franchisee. In this case, the franchisee must also be able to achieve a reasonable profit after depositing the first capital for the business establishment. Do not get drawn franchiser margins are too high to the detriment of the franchiser.

Eighth, efforts are already registered with the name or brand. This should be done not only to protect your business, but also the franchiser who uses your brand.

Finally, as a franchiser you have to have a human resources and adequate funding sources to download supports your efforts in the future.

10 Tips to Start a Business Franchise

1. Self-assessment
Be honest with yourself. Whether you’ve got the right attributes to build a successful business? An overnight success story is very rare, but more that require hard work in building a business. Running your own business can be more profitable, but can also request full responsibility towards customers, suppliers, and employees.

2. Do the Research
In common sense you need a long journey to a decision whether the franchise is estimated to be appropriate for you. Make sure that you saw a business opportunity and you have the skills and able to reach him about it.

3. Ask a Question
When considering a franchise, it is important for you to ask questions so you can make decisions with knowledge (informed decision).

4. Talk to franchisees
It is important for you to talk to existing franchisees. Ask about the help they get and whether they achieved their initial financial projections. Take time to talk with some of the franchisee to get a broad opinion before you make a decision.

5. Family support
You will be requiring family support when building a business. It is advisable to discuss how the influence of his own work on the family before making a commitment. If you do not get full support, it would be folly if continued. Therefore involve them in decision-making process.

6. Professional Advice
Before making a commitment to invest in a franchise business, you should seek advice from the pros. Banks will give you a valuable assessment. Network business consultants and accountants can also mengasistensi you in producing a business plan.

7. Business Plan
The business plan has a dual purpose. As a working document that will be bencmark your business performance, as well as representing financial support for your business. Important business plan is presented well. Also suggested sending a copy to creditors first before the scheduled meeting.

8. Borrow in amounts as
The more you borrow, the greater the costs to be borne. As a result you have to generate greater profits for mentupi costs. Therefore borrow as needed. If you fail to get adequate amounts of capital, will likely be difficult to close again (re-approach) creditors after that to ensure the additional funding, especially if the business is not performing as projected in the business plan.

9. Emergency Reserves
Always have a reserve fund is suggested that if the business takes longer to take off as expected. Emergency plans for spending a few years will be very useful.

10. Follow the System
You invest in a business model that exhausting, tested, and proven. It is therefore important to follow the system developed a successful franchisee to open opportunities for you.