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Short Term vs Long Term Investments: Gauging the saving spectrum – Economic Times

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Quick wealth creation is what financial markets consider; however, investing as a practice is a long-term process. While an investor’s capital can be invested in the short-term and long-term, both forms of investment have their merits and demerits.

Typically, short-term investments involve less risk than long-term investments. Long-term investments give the investor’s money a substantial period to grow and recover from major dips in the market.

Having clear and crisp financial goals can help the investor decide whether to choose short or long-term investments and which vehicles within those categories aim towards personalized investment gains.

Before choosing any investment strategy, the investor ideally needs to do proper research on which asset types suits their need.

What is suitable for one investor might not be in sync with another’s financial objectives, so one must consider their overall goals along with the risks one is willing to take.

Short-term investments have a validity period typically up to three years – high liquidity instruments, generally involving lesser market risks.

Also, these temporary investments are mostly used for parking excess funds for a short period. Short-term investments are highly liquid and hence are used by investors to meet expected near-future expenses.

Less risky in nature, these short-term investment products have a short tenure and give predictable returns as compared to long-term investments be it –

Treasury bills which can be redeemed within 91 days and is a high liquidity instrument.

● Gilt Funds which invest only in government securities and owing to zero credit risk, are safe investment funds.

● Ultra-short-term debt funds wherein the maturity period ranges between three to six months and provides comparatively higher returns.

● Low duration debt funds whose maturity period ranges between six and 12 months, these funds invest in debt and money market instruments.

● Money market funds that invest in money market instruments and have a redemption period of up to one year.

● Bank fixed deposits that can be renewed on maturity and their tenure can range from 14 days to 10 years. Also, liquidity can be a concern here as some banks don’t allow premature withdrawals.

● Company fixed deposits can have a tenure of more than one year

● Post office time deposits have tenures ranging from one to five years and similarly Recurring deposits can open an RD for a duration as low as six months. Sweep-in-Fixed Deposits as against low returns on savings accounts, these offer comparatively higher returns, with a minimum tenure of around 12 months.

On the other hand, long-term investments are investments that can offer high returns after several years, typically five years or more – involving more market risks.

Be it via stocks, ETFs, mutual funds, etc. Investments in stocks earn quite high returns if patience is kept high (Of course, this cannot be guaranteed but you should assess your risk-taking capacity before thinking of investing in stocks).

Having a deeper understanding of the market movements so that the investor makes wiser financial decisions and when to sell the stocks, investing in stocks and securities requires a trusted financial partner, who can provide hassle-free features to open an online Demat and Trading Account.

Another long-term investment avenue for receiving higher returns is Equity Mutual Funds where the investor gets to pick from small, mid-cap, and large-cap equity mutual funds for the long term to achieve greater financial goals.

Ultimately, the short-term investment gives levy to the investor to achieve their financial goals within a short span and with lower risk (depending on which asset you pick), if the investor has a greater risk appetite, and wants higher returns, they can select a long-term investment avenue.

To further simplify, if the investor wants to preserve their capital and is happy with moderate returns then they may choose short-term investments but, with the expectation of a higher return, the investor may invest in long-term investment avenues.

(The author is Senior Vice President, at mastertrust)

(Disclaimer: Recommendations, suggestions, views and opinions given by the experts are their own. These do not represent the views of Economic Times)

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SAH to Open a Second Cardiac Care Lab with $6+ Million investment – SaultOnline.com

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This morning, MPP Ross Romano announced a 6.4 million dollar investment to support the opening of a new Cardiac Care Lab. Construction is slated to begin Monday, October 5th.

This 6500 square foot lab is scheduled to open in November of 2023 to help serve residents of Sault Ste. Marie and the Algoma Region.

“Ensuring that everyone in our community has access to the care they need closer to home has always been a priority for me. I am so proud that we have been able to secure this nearly $6.4 million investment to help reach that goal through the addition of the PCI Program to SAH’s existing Cardiac Catheterization Program.”

 Ross Romano, MPP Sault Ste. Marie

The redevelopment of roughly 2,000 square feet next to the current cardiac catheterization laboratory is part of renovations of 4,500 square feet. This program will support the repatriation of patients currently having to go to Southern Ontario hospitals for services.

This second lab will allow for an increase in the number of procedures, open more space for emergency surgeries and reduce wait times.

“We are grateful to the Ministry of Health for this funding news to support the development of a second cardiac catheterization lab at Sault Area Hospital. Currently, our team provides cardiac angiography, coronary interventions (angioplasty and stenting) and pacemaker services. The addition of a second lab will help us to increase the number of these procedures we perform and reduce patient wait times. Our next step is to operationalize our plans for the recruitment of an additional interventional cardiologist, nurses and medical radiation technologists. We eagerly await the opening of our second lab in November 2023 as we continue to provide these vital patient services close to home.”

 Sue Roger, VP Clinical Operations and Chief Nursing Executive, Sault Area Hospital

Staff recruitment for this state of the art lab will include Cardiologists, nurses and support staff. No further funding will be required, as per MPP Romano’s statement in this morning’s announcement.

SAH will continue its partnership with St. Michael’s Hospital in Toronto to provide prompt access to; Cardiac Surgery, TAVI, Mitral Clip, CRT-ICD, EP ablations, and Cardiac ICU care.

The Ministry of Health is investing up to $3,484,800 in capital funding towards implementation of the PCI Project. This is in addition to the up to $2,882,300 previously approved for the project in 2017, for a total investment of up to $6,367,100.

Follow SaultOnline as our team continues to bring you updates on this and other projects in our community.

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Phoenix Copper Ltd upped investment in its Empire Mine with drilling ongoing – Proactive Investors USA

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Phoenix Copper Ltd (AIM:PXC, OTCQX:PXCLF) increased its investment in its Empire Mine as drilling continues at the site despite the gloomy wider economy.

“The outlook has deteriorated, at least in the short-term,” said chairman Marcus Edward-Jones. “Copper and sterling have both been extremely volatile, and currently sit at around 30% below their highs for the year,” 

Investment in Empire increased to US$29.7mln in the six months to June, from US$18.6mln from the same period last year.

And the USA-focused exploration company added core drilling is ongoing at the copper mine.

Mineralisation was encountered at both its Red Star silver-lead deposit and its Navarre Creek gold project, with further exploratory drilling commencing at Red Star.

Net assets increased to US$38.2mln in the period from US$37.7mln, according to a statement.

However, Phoenix reported a loss of US$1mln “after charging an unrealised foreign exchange loss on sterling-denominated assets.”

Cash balance stood at US$9mln, while loans to operating subsidiaries increased to US$25.5mln from US$16.1mln, it said.

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Edmontonians lost $5.6 million to cryptocurrency investment scams: Police – Edmonton Journal

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Edmonton police say local investors have lost more than $5.6 million to cryptocurrency scams between fall of 2019 and the end of last year.

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EPS says it investigated 112 cryptocurrency fraud reports over that time. Complaints lost $50,000 on average or less to the scam, but the highest loss exceeded $1 million, police say.

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“Sadly, we encountered several complainants who lost their life savings to this scam,” says Det. Dana Gehring with the EPS Cyber Crime Investigations Unit.

“Unfortunately, once funds are invested or sent to another party using cryptocurrency, there is little we can do to retrieve them. While we always aim to apprehend those responsible, our best tool with this type of fraud is to educate on prevention.”

More than 90 per cent of the incidents referenced bitcoin, according to EPS.

More recent numbers for 2022 are not yet available.

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Police say in most incidents, investors were convinced to invest in cryptocurrency via what often appeared to be legitimate websites or apps but that are actually controlled by scammers.

Scammers befriend complainants via social media, phone calls, online advertisements and online dating platforms before encouraging them to make a small investment, police say.


  1. Edmonton police issue warning about cryptocurrency investment scams on dating platforms

  2. Edmonton Police Service cruiser.

    Edmonton police arrest man in relation to six ‘grandparent scams’

Police warn that at that point, scammers would often manipulate the data on their website or app to give the appearance of growth and encouraging victims to give them more money.

Eventually, the websites or apps disappear, leaving those victims without any means of recovering their money.

EPS says it recommends anyone considering investing in cryptocurrency to confirm the website or app is legitimate, be wary of anyone unknown approaching with investment opportunities, and to verify the investor or investment company registered with FINTRAC or the Canadian Securities Administrator.

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