May 24th, 2013 by admin
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There are many aspects that get the benefits of the rapid of technology development. One of those aspects is entrepreneurship. Technology gives a new option to make a new way of entrepreneurship. By taking advantages of the simplicity and practicality of internet, you can trading by just sitting in front of your computer and manage your business there. This kind of entrepreneurship is called netpreneurship.
This kind of entrepreneurship makes you can manage your online firm anywhere and everywhere. You can doing transaction in your room, café, even in the city park, as long as you are connected to the internet. The better side is that there is a possibility that you just not only able to do transaction in your region but also around the world. You can develop and promote your online firm in a worldwide range and have overseas customers.
To do this kind of entrepreneurship, you must have a bank account in order to receive customer’s payment of your product. You also need to contact a service delivery center to deliver your product to the customers. Finally, despite its practical and easy side of doing internet business, you still need to work hard to promote your online firm in order to get more customers.
May 21st, 2013 by admin
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Generally, mutual fund is a managed professionally collective vehicle to gather the fund from investor for then managed to buy securities.
Mutual Fund Advantage
For the financial purpose below 2 years of investment, conventional saving, for example opening bank account is enough. But for financial purpose above 2 years, conventional saving won’t be able to keep up with inflation rate. The basic inflation reach 5-6% each year, while the real inflation in practical around 12%. On the other hand, the highest interest for bank account only 4,8 % after tax. On the other hand, mutual fund has 8%-25% return each year, which seems more eligible to keep up with the inflation.
Types of Mutual Fund
Generally there are four types of mutual fund (ordered from the lowest risk): money market fund, fixed-income fund, mixed fund, and equity fund. Money market fund is a short term fund with the lowest risk because it is placed in money market instrument that just has a little change value. Since the risk is the lowest, the return is not very high either, only 5-6% each year. Fixed-income fund is invested in government or corporation debt. The return is about 8-12%. Mixed fund uses mixed instrument between equity (stocks) and debt. The return is about 15-20 % each year, depend on the market condition. And the last type of mutual fund is equity fund. Similar as the name, this type of fund uses equity instrument. Compared to the others, this fund has highest return, usually above 21% depends in the stock market condition.