What are the types of Investment Companies?

When we have money and want to invest, they recommend us to invest in an Investment Company. What are the types of Investment Companies?

Investment Company is a company whose purpose is to invest in “debt instruments, currencies, shares of stock and non-stock companies.” In short, what you do is buy shares of a certain company, becoming a partner and making profits and losses that generate the investment made.

When you acquire the shares, the resources go to the purchase of Investment Objective Assets. These are securities, securities, documents, cash resources, assets, rights, credits and other things that are traded that are part of the assets of the Investment Companies. If the company’s shares go up, then they win. If on the contrary, they go down, then you lose. It will depend on how much you invest in the company to make a profit, as there will be other investors like you who will buy shares.

There are different companies with different types of Investment Companies. The National Banking and Securities Commission recognizes four types of Investment Companies.

Equity Investment Company

Equity Investment Company

In the Equity Investment Company, the funds are invested in the stock market. In these companies the Investment Objective Assets are invested, which are composed of debt instruments, with shares; This implies that the profits are the interest generated by the debt instruments, as well as the dividends or increases in the value of the shares. This type of investment is usually used in the medium term, due to market risks.

Investment companies in debt instruments

Investment companies in debt instruments

In this type of Investment Companies can invest natural or legal persons. In it, the funds give returns by investing in instruments that represent a debt or obligation for the issuer (Federal Government, bank or private companies). The profits that are obtained come from interest or the purchase and sale of securities. In this type of Investment Company the earnings are smaller but more constant and less volatile, compared to the Investment Company of variable income.

Capital Investment Companies 

In this type of Investment Company, the funds operate with shares or social shares, obligations and bonds of the companies that promote the Investment Company. These companies need resources in the medium and long term, and the profits are directly related to the performance of the companies, because their investment is in the capital of the company (shares, social shares or obligations). This type of Investment Company is more risky than the Equity Investment Company and the Investment Company in debt instruments, but the profit tends to be greater. The administration of this type of Company is carried out by a shareholders meeting, originated by a Board of Directors.

Limited purpose Investment Companies

money

These Investment Companies work with securities and documents that are issued by companies that need long-term resources, and that have the objective of investing in the National Development Plan. These societies are created by the union of several people who seek a common goal, and who want to create a way to finance or invest in something that benefits their productive activity. To do this, the partners give loans, credits or issue securities representing a debt.

Now that you know the types of Investment Companies, you can decide to invest in one of them. It is necessary that you know well the risks and the profits that they can produce, depending on the type of Society that you choose. Some are safer than others, but the profits are lower. Invest your money wisely.


Pay off loan

Paying off a loan with Faster-Lend, how does that work then you wonder, is it then automatically debited from my account or do I have to fill in the payment screen just like buying something online? This article explains which forms of loans you can pay with Faster-Lend and how you do it. But what are the benefits of paying online and why is it not easier to transfer via the bank? For example, there are a number of questions that arise when the lender proposes to do this by Faster-Lend. An assessment at awebdezine.com

 

Where can you borrow money with Faster-Lend

Where can you borrow money with Fast Lend

At the time of writing, this option exists at a number of providers for borrowing a ‘small’ amount up to and including 1000 euros, these are the so-called mini loans where you can borrow an amount quickly and without bkr review. There are no difficult contracts and no personal contact is required. This way you can quickly provide some extra cash, please note that you have to repay the borrowed amount within a maximum of 45 days, but a mini-loan for 30 days is also possible, so only do this if you are sure that you can do it too. repay.

 

Why with Faster-Lend

money

If you are going to apply for a traditional loan , you will have to pay it off by bank transfer. However, it has been found that a lot of people find this a difficult extra step, have to retype the entire iban number, then the name, address and so on. Because this is a bit cumbersome, many people postpone this and do not meet the obligation to repay on time, the consequence of this is that all kinds of annoying letters arrive and you may even have to deal with a collection agency, of course there is no one on that to wait. With Faster-Lend you pay off your debt quickly in a few simple steps in a familiar banking environment, little effort but a good feeling.

 

Pay off loan with Faster-Lend

Pay off loan with Fast Lend

What is that much-discussed Faster-Lend, perhaps a somewhat stupid question because almost everyone in the Netherlands knows this and makes frequent use of it. But there are still people who are not familiar with the system and still want to use it.

With Faster-Lend you can make a payment through any Dutch bank, you use your own familiar and well-protected banking environment so that you know exactly what to do, of course you must have internet banking. You then make the payment you want to make and the amount is immediately withdrawn from your account and immediately transferred to the account of the recipient. In this way, the recipient can immediately see that you have paid, in contrast to a bank transfer that is usually not credited to the recipient until the following day.

 

But can I no longer pay otherwise

Fortunately for those who really do not want to pay with the Faster-Lend system, or perhaps no internet banking, there is still the possibility to do it by regular online transfer or a transfer by mail. The Faster-Lend system is only a supplement to the already known payment methods and not a replacement thereof.


What are Delegated Loans?

An extremely useful and important type of loan to know is the one called “the loan with delegation”.

The loan with the delegation , often called “double fifth”, is a type of loan that allows you to obtain the possibility of borrowing more money than the “sale of the fifth”, through the “simple” presentation of adequate guarantees.

The loan with delegation, as we have said, is often called “double fifth” due to the fact that it allows access to a double transfer of the fifth.

The expression “assignment of the fifth” arises from the fact that the maximum amount of the installment envisaged for repayment of the loan cannot exceed 1/5 of the monthly net salary.

This type of loan allows instead to be able to request a double amount, let’s not forget, however, that receiving a double amount of money clearly implies also the doubling of the expected monthly payment (with equal number of installments).

The installment amount will be deducted directly from the pay slip which, for what has been said up to now, cannot exceed 40% of the net amount.

The loan with proxy is governed by Article 1269 of the Civil Code (Payment Delegation):

“If the debtor has delegated a third party to make the payment, he can oblige himself to the creditor, unless the debtor has forbidden it.
The third delegate to carry out the payment is not required to accept the assignment, even if he is the debtor of the delegating party. The different uses are safe. “

 

Laon with delegation

Laon with delegation

The loan with delegation is therefore based on the faculty of those who claim a credit to transfer it to third parties, for consideration or free, even without the prior consent of the debtor.

Since the worker has a salary, similar to credit towards the company where he works, he is therefore in a position to contract this type of loan against the transfer of a portion of the salary (credit) to the financial institution with the which signed the contract.

Both public and private employees can apply for the loan with proxy. Until recently, this type of loan was not intended for private employees, as only public employees could access it.

The delegated loan, as it is configured, therefore appears to be a contract involving 3 subjects:

  • Dealer Institute
  • The employee
  • The employer

The concessionary institution is the institute which, upon receipt of adequate guarantee documentation, will provide for the disbursement of the amount requested for the loan. The most common payment methods are via bank draft or bank draft.

The employee is essentially the customer who requests the loan. For the purposes of article 1269 of the civil code, the employee is the party who assigns the rights to remuneration to the financial institution (within the limits of 40% of the net salary value).

The employer assumes the status of Third Party Debtor Assigned by virtue of the assignment of the credit rights made by the employee.

Loan with delegation: Main features

Loan with delegation: Main features

  • Maximum duration 120 months (10 years) compatible with the retirement date. In some cases it is possible to transfer the loan to the pension.
  • The planned installment is fixed and includes all expenses (fixed TAN and APR including insurance premiums).
  • Possibility of debt renegotiation with the possibility of recovery of unpaid interest.
  • Repayment of installments on a monthly basis.
  • Obligation to subscribe to a life and risk insurance. This insurance serves to protect the credit institution from premature death or any loss of employment by the undersigned of the loan agreement.

The loan with proxy appears to be the ideal solution for those who have already subscribed a loan that provides for the sale of the fifth and which needs to increase the amount of the loan.

Although possible the request also from employees with fixed-term contracts (within the limits of the duration of the contract) the greater convenience is clearly drawn from the employees with permanent contracts (greater guarantees and longer durations).


Pay your loans to avoid falling into a credit bureau

If you have just obtained your first credit card from a bank or from a department store, it is very important that you know when your court and payment dates are, two very different things that if they are not known will make you default on your payments to finally be in the credit bureau.

Avoid falling into a credit bureau – Pay your loans on time

Avoid falling into a credit bureau - Pay your loans on time

Of course, that is not the end of the world and there are several ways to erase yourself from the list – of which we will talk about later – but to avoid this from happening you must keep in mind some points.

Punctuality of payments

To make your payment on time you must know your payment date. This comes in the statement that you receive, either at your address or electronically. You must make the payment BEFORE the indicated date or at the latest that same day.

If you make your payment out of time, you will be charged interest, which is defined by each institution, and to which you must also pay attention.

Avoid impulsive purchases

Avoid impulsive purchases

The offers are specially designed to persuade the consumer to make a purchase. The famous 6, 12, 18 and up to 20 months without interest make items or objects that otherwise would be very difficult to acquire achievable. But do not get carried away by the impulse and think with a cool head. Buy what you really want and / or need.

Companies sometimes increase the prices of their products to be included in the promotion of months without interest, so it is preferable to quote in different places and take into account the reputation of the store.

There is everything out there and you can find yourself from bad companies, to those that really think about your business, take care of your clients and consent to them with real offers. It is important to learn to distinguish them.

Payment capacity

Payment capacity

Months without interest can cause you to lose control of your expenses and end up with a large account to pay at the end of the month. This is why you should know how much you can allocate to your card payments on a monthly basis.

As a recommendation, subtract your monthly income from the expenses you have each month to know the amount you will have to invest and what you can spend.


The most advantageous loans of June 2019

Summer is often the season when big expenses are faced. For holidays, of course, but also for organizing children’s free time. Not everyone, however, has the liquidity needed to cover the costs, so many make use of loans from banks or financial companies.

The proposals are really many and interesting, but with the most advantageous Easy loans for June 2019 it is likely that you can find the solution that best suits your needs.

June 2019: Most advantageous loans

loans

For example, the Easy personal loan allows you to receive financing from 1,000 to 60,000 euros to cover all types of expenses.

The offer of June 2019 is particularly convenient because Tan and Taeg are fixed and there are no additional costs. By hypothesizing a request for 14,000 euros to be repaid in 96 installments of 189 euros each, with fixed Tan 6.73% and fixed Taeg 6.94%, the amount to be repaid does not exceed 18.144 euros, not bad.

To access the loan an age between 18 and 75 years is required, a demonstrable income, residence in Italy and ownership of a current account.

With the Easy personal loan

With the Easy personal loan

the options Easy One (debt consolidation) and Easy Two are available , designed to finance the expenses that promote renewable energy, energy saving and efficiency of the home (purchase is also included) of electric and hybrid vehicles). The Easy Two offer is even more favorable than the standard personal loan , because Tan and Taeg fixed are lower: 6.54% and 6.74% respectively.

Among the most advantageous Easy loans

Hard loans

For June 2019 we also mention the salary- backed loan with an offer valid until 24/6, reserved for public employees. Zero commission and stamp duty costs, fixed Tan 5.42% and fixed Taeg 5.56%. Asking for a loan of € 16,000 to be repaid in 120 installments of € 173 per month, the loan has a total cost of € 20,760.


5 Tips on How to Loan a Business

Have you ever wondered how to loan a business the right way ? Many business owners face serious problems related to the financial management of their business – which affects their growth in the market.

There is a great concern to increase sales results and maximize business revenue. However, there is no point in getting great revenue when finances are poorly managed and resources are misapplied.

It is not necessary to have a million dollar bill to succeed in the market. Likewise, good billing does not guarantee the growth of an organization. The key lies in how finances are managed.

Benefits of financial organization

Benefits of financial organization

Most Brazilian entrepreneurs need to deal with a very common question: how to loan organize a small business ? Even with a lean structure, securing the financial health of an organization can be a challenge.

However, this problem is even more serious when the entrepreneur does not recognize the importance of managing finances. Amidst concerns about closing sales, organizing stocks and negotiating with suppliers, the financial organization can be left out.

For this reason, before we talk about how to organize a company loan, it is essential to reinforce the benefits of this practice :

  • Greater understanding of the composition of results;
  • Tranquility for the continuity of operations;
  • Information to set the ideal sales price;
  • Predictability of future expenditures;
  • Possibility of cost reduction;
  • Assistance in decision making.

How to organize a company loan?

company loan

Now that we better understand the importance of organizing your business finances, let’s understand how to loan organize a small business. The good news is that this is not a complicated routine – just the entrepreneur has discipline.

Here’s how to loan organize a business:

1- Understand the reality of your business

loan

The first step in organizing your business finances is to better understand the moves that take place over the period. After all, each company has a very different reality.

While a service provider has low operating costs to develop its activities, a trading company relies on purchases of merchandise for inventory. That is, the finances of these two companies work in very different ways.

Understanding the reality of your business allows you to see how money usually comes in and out of the company’s cashier. The greater the mastery over these processes, the easier it will be to manage finances.

2- Be disciplined in the record of the movements

cash

Many entrepreneurs want to learn how to loan organize a business but are unruly with regard to recording all transactions – which strongly affects financial controls.

It’s impossible for you to remember every single financial move your business made without writing them down, is not it? Registering this information is critical so that you have access to up-to-date data and can analyze it.

3- Organize cash flow

cash

Cash flow is a tool that organizes all financial transactions conducted by the company – both entries as resource outputs.

This control not only allows you to always have access to the current financial balance, but also allows you to better analyze the expenses paid by your business and seek to reduce them.

4- Manage Accounts Payable and Accounts Receivable

lender

Another mistake made by entrepreneurs who do not know how to organize a small business loan is to stop looking at future accounts. Besides knowing the current balance, it is fundamental to evaluate all the movements planned for the coming months.

A positive balance of $ 5,000 may give you a false sense that finances are good, but a payment of $ 10,000 to vendors the next month indicates otherwise. In the same way, all accounts receivable can reverse a situation that seems negative.

Monitoring all accounts payable and receivable from a company ensures that you are not surprised and can plan your company’s actions based on information that is closer to reality.

5- The importance of managing working capital

5- The importance of managing working capital

Working capital is the money needed to keep the operation in the company’s operations – including the payment of basic accounts, purchase goods to stock, paying taxes, employee salaries and other operating costs.

This is a very important concept when we talk about how to loan organize a business. The goal of any organization is to ensure sufficient working capital so that operations flow smoothly.

However, in some cases it may be necessary to borrow a working capital loan either as an emergency measure to ensure continuity of activities or as an action to promote business growth.

A company that seeks to expand its market and reach a larger number of customers may need a working capital loan to buy more goods for inventory. But within a few months the gains from this action can be fantastic.


Elements of the Loan: The Installment Loan

When a mortgage is generally opened, there are two elements that are considered by the applicant: the amount disbursed and the installment :

– the amount paid is the amount of money we need to carry out our project, whether it is the purchase, construction or renovation of a building;

– the installment gives us the measure of how much we will have to pay (generally monthly) to be able to honor the contractual commitments. The amount of the installment is therefore generally very important because it will be decisive for the standard of living that can be afforded in the years of duration of the financing we have requested.

 

The installment

The installment

The elements that impact on the installment amount are the following:

  • the amount paid ;
  • the duration ;
  • the interest rate ;
  • the frequency of the installment.

So let’s see them in detail.

 

The amount disbursed

The amount disbursed

The amount disbursed is obviously a determining element for the entity of the installment that we will have to pay.

Other factors being equal (interest rate and duration) it is clear that a higher amount of the loan will result in a higher installment and vice versa. But there is another strong link between installment and loan amount: in fact the maximum sum that the bank will decide to finance depends on the amount of the resulting installment, which must necessarily be compatible with the income of the applicant.

 

Duration

The duration of the loan can also have an impact on the amount of the installment, as is obvious. If we want to avoid having a burdensome commitment for too long, we will have to be available to have a larger payment to pay. This will reduce the risk we will expose ourselves, especially in the case of a pure variable rate mortgage. However, we will need to be sure that we can afford a higher rate with our income.

 

The interest rate

The interest rate can also have its impact on the installment: a higher rate will lead to a higher rate and vice versa. But there is also another aspect that is important to emphasize, namely that the type of rate, ultimately, is that which ensures that the amount of the installment is constant or can vary over time.

In the case of a fixed rate, in fact, the installment will be constant over time, and this will give us the security of an amount to be paid that will not be subject to market fluctuations. Be careful, however, that this guarantee generally has a price, ie the interest rate, at least at the outset, will be higher than in the case of a variable rate.

If we chose a variable rate mortgage, on the other hand, we would be subject to fluctuations in the installment which could also be significant (for example, in the absence of a CAP, ie a maximum limit to the interest rate). The risk that we are going to take can be particularly high in the case of very long duration of the chosen loan.

 

The frequency of the installment

the installment loan

Generally when we think of the mortgage payment, we imagine it as a monthly commitment to support, and in fact, it is often what happens in most mortgages. But the installment may also have different intervals (for example, half-yearly). It is clear that this can have an impact on the installment amount.

We have seen how the installment can be constant, in the case in which a fixed interest rate is applied, or subject to fluctuations in the event that one has opted for a variable rate mortgage, or mixed. But the installment may, over the duration of the loan, very also for another reason: the partial extinction of the loan.

In fact, as is known, in general, it is possible to extinguish the loan in advance, either completely or partially. If in the first case the result is obviously the definitive cessation of the commitment to pay an installment, in the second case generally there is a reduction of the same.

The extent of this reduction depends on the policies applied by the bank: it may be a percentage reduction corresponding to the portion of the residual capital repaid in advance, or it may lead to a reduction in the duration which, by virtue of the lower interest to be paid, will have the effect induced in any case an installment reduction.

 

The advice of Mister Banko

The advice of Mister Banko

The amount of the installment is not only important because it gives you the measure of your commitment to repay the amount paid by the bank: remember that the requested sum will be financed only if you can prove that the resulting installment is consistent with your income. Consider this aspect well, you may find yourself in the position of having to provide additional guarantees or extend the duration of the loan.

Finally, don’t limit yourself to considering the starting rate of the loan, if you choose a variable rate, consider well the risk of an increase in the same installment, especially if the duration of the loan is long.