We all want the same thing. We all want to be safe, rich, healthy, respected and loved. We all want to have enough money to buy whatever we want. But if we all want the same thing, why does not everyone drive the same car or run their business or factory using the same techniques? Why don’t we wear the same clothes and shoes?
In marketing theory, it is inability to explain the variety. No marketer can tell you in advance if an advertisement is going to work or if a new product launch is going to be a hot selling cake. As a result, the whole thing feels like a crapshoot.
Welcome to the year 2012, where bonds and bond funds will likely not be such a safe investment. Stock funds are never safe and 2012 will be no exception to the rule. Asset allocation will be only half of the story going forward. Selecting the right funds within each category will be the other key to success. Let’s look at your best investment strategy in both fund categories, and the reason why certain funds will be your best choices.
The lens your consumers use shows them a different version of perspective than yourselves or your other consumers. Worldview is the term use to define values, rules, belief and biases that an individual brings into a situation or perspective.
Second, interest rates have been driven down to historically low levels to stimulate the economy in general and the pathetic housing market. Even with a 4% mortgage rate average folks can not qualify for a mortgage or afford to buy a house. Today’s ridiculously low interest rates mean savers can not earn a respectable interest income in truly safe investments. It also means that bond funds could be a trap in 2012 for people who don’t really understand bonds and bond funds. Let’s look at the best bond fund strategy first.
Even the best bond funds of the past few years could be big losers in 2012… if they hold long term bonds in their investment portfolios. When interest rates turn around and go back up the bonds they hold will lose significant value because new bonds will become available that pay more attractive (higher) interest income. Your best investment strategy for bond funds is to own funds that hold corporate bonds that mature in about 5 years to 7 years. CORPORATE BOND FUNDS pay more interest income than similar funds that invest primarily in government bonds. Funds that hold bonds maturing in 5 to 7 years (intermediate term bond funds) will be much less affected by rising interest rates than long term funds holding bonds that mature in 20 years or more. That’s a fact, and that’s how bonds work.
Not everyone want a better dishwasher or a better high-definition television, they do not afford to pay the premium. But as the number of choices facing consumer increases, as well as the background of the consumers increases, the chances of assuming that consumers are all the same would not be practical.
Criminal DUI Lawyer – Find the One Who Can Help You Fight Allegations FAQ’s About Mesothelioma and Answers From a Mesothelioma Attorney
No comments:
Post a Comment