What is the best type of investment for 2014, 2015 and 2016?

What is the best type of investment for 2014, 2015 and 2016? Gold, dollar, estate, CBD, fixed income, savings, Treasury Direct? What are the risks, management fees and taxes involved in each investment option?

The above question is a bit complex because it involves several investment options on a 24 month horizon. To answer this question one must note how is the country's economic policy, macroeconomic, microeconomic, environmental issues, policies, corporate governance index of a company and the financial health of companies.

Unfortunately we have not learned to handle money and investment in school. At most we heard from our parents and grandparents talking to join money to buy something sight. We go to school, to college, where we become sophisticated professionals and then seek a job to work for money. An attitude short term for a long-term issue, pay the bills for years and years. Hence then the bills start to dictate our lives and do not have time to make money. On the other hand some people win money empirically, through capitalism, undertake, work with focus, persistence and form empires. Some do not get lucky, others are lucky and control their destiny.

Lifelong lot of us planned on to get a good job, buy a house, get married, have kids and be happy. Few have an investment planning to form a profitable asset that work for us throughout life, such as government bonds, stocks, dollar, gold, real estate, CBD. Knowing how to put together a series of data and analyzing them is not so easy. One must know what is right to seize an opportunity or even sell the property (real estate) assets and exit point. Therefore, companies, consultancies and experts in financial investments arise in business and real estate business. To invest you need to be planning, critical vision, focus, discipline, and patience cold blood. One must know what is your availability to risk and what is your profile. Conservative, moderate and bold. If you have a capital loss and know that you will miss him, do not make a bold investment. Accepted losing part of it, opt for a moderate investment. Not accept losing anything, conservative. Diversify their investment options is also prudent, never focus all your money in one option. Saving is not investment. Considering the annual income from savings at 6% per year and discounting the "camouflaged" 5.5% annual gain in 12 months is only 0.5% inflation.

The Stock Exchange experienced its golden years when in 2009 earned 82.86% annually. In 2010 fell to 1.04% in 2011 fell to -18.11% in 2012 yielded 7.40%, 2013 was -15.30% loss in 2014 and by June 2014 shows gain of 6.07%. Featuring since 2010 great escape from investors. An action is good to buy when you have more people wanting to buy than sell. When stock prices fall, analyzing your industry, projections of future prospects, its financial health, it may be the time to buy. When the stock market falls too, companies buy back their shares to show the market that its stock price is wrong. A tactical maneuver. We assess whether the price of a share is fair or not by the formula E = (Dividends / Ke-g), where Ke is the rate and L is the risk premium to be paid. But you need not go around the calculated value of each share, since often the brokerage report these values​​.


The example of the founder of McDonald's.

Ray Krock, founder of McDonald's in 1974, was invited to give a lecture at MBA, University of Texas at Austin, USA. After the lecture, Ray Kroc was with colleagues to a bar. And there between a beer and another asked for gifts, what is my business? And everyone burst into laughter and one of the friends said, that there is nobody in the world who does not know he is in the business of burgers. Ray replied, I do not act in the business of burgers, my business is real estate. Ray has focused its business plan on selling hamburger franchises. But never lost sight of the location of each franchise. He knew his estate and its location was the most important factor of success of each franchise. Basically the person who bought the franchise was also paying a portion of the land. Mc Donald's is now the largest single owner of land in the world, surpassing even the Catholic Church. Currently the Mc Donald's is the owner of some of the most important intersections and not only in America, but the world corners. From the book Rich Dad, Poor Dad.

Some companies acquire land and shops to open their business in neighborhoods still under development. The companies that buy the properties are designing not only the future of your business, but also the appreciation of the property.