high yield mutual funds

Financial Intelligence Report Email List Made Available on Emailinvestorlists.com

Financial Intelligence Report Email List Made Available on Emailinvestorlists.com

Vancouver, BC, Canada (PRWEB) December 10, 2008

Emailinvesorlists.com has posted new lists of available leads including the Financial Intelligence Report Email List, the CNET Personal Finance and Investment Email File, and Contrarian Investors Europe. Each one of these files contain the email addresses of serious investors that are looking to increase their financial assets. The leads on these lists are interested in receiving information about investing, gold, currencies, real estate, stocks, and more.

New From Emailinvestorlists.com

Genxstocks.com Newsletter Subscribers

3,107,665 Email Subscribers

Genstocks.com newsletter subscribers are astute, highly aggressive investors. The newsletters and company profiles on Genxstocks.com are mostly OTCBB stocks. These subscribers have extremely high incomes and big spenders for high ticket items. This list consists of Chief Financial Officers, VP’s, Directors, Managers, and many more. They are 90% males with growing families or retired with plenty of disposable income. These subscribers have either joined Genxstocks newsletter or completed a financial related survey. These subscribers are highly responsive to all types of internet offers.

http://emailinvestorlists.com/investorlist/genxstockscom-newsletter-subscribers/

Financial Intelligence Report Email List

12,324 Total Postal & Email

Email and Postal Address of Subscribers to a Newsletter on Protecting and Growing Financial Assets. The list reaches individuals who have subscribed to a monthly newsletter edited to help investors and upscale individuals plan, protect, and increase their financial assets. Financial Intelligence Report is edited by Christopher Ruddy, Publisher and Founder of Newsmax. FIR offers its readers financial information with a geopolitical and often contrarian viewpoint. The newsletter focuses on a variety of investment approaches: Value investing; sector investing; offshore investing; gold; currencies; high yield equities and bonds; and real estate. FIR seeks to provide contrarian strategies to investors concerned about the U.S. economy and who seek to diversify their portfolio. Subscribers represent a high-wealth, information hungry investment audience. More than 80% of subscribers are “accredited” investors with a net worth of $ 1,000,000 and higher. They skew towards a seasoned readership, ages fifty-five and up. They are credit worthy, well read ‘executive types’ who are computer savvy, enjoying their issues of Financial Intelligence Report sent via electronic (PDF) format or print format via US mail.

http://emailinvestorlists.com/investorlist/financial-intelligence-report-email-list/

CNET Personal Finance and Investment Email

215,911 Total Professionals

The CNET Personal Finance and Investment Email list consists of individuals who are actively investing in stocks, bonds, commodities, mutual funds, IRAs, annuities, CDs, real estate, currencies, and more. These investors take a hands-on approach with their finances.

http://emailinvestorlists.com/investorlist/cnet-personal-finance-and-investment-email/

Contrarian Investors Europe

44,221 Name & Email Address

These investors, who comprise a segment of the current database of investment brokers, have one peculiar thing in common: They go for investment options which most other investors are unlikely to go for at any particular point in time. For example, when everyone else believes that now is the right time to unload certain stocks, funds, bonds, etc., from his portfolio, these people will do exactly the opposite.

http://emailinvestorlists.com/investorlist/contrarian-investors-europe/

EmailInvestorLists.com is an email marketing list resource focusing on email investor lists. Our goal is to continually seek out new investor lists and post them as a resource to assist CMOs, marketing professionals, and Investor Relations companies/individuals to select and purchase investor lists.

We have significant and extensive email marketing expertise in:

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Media Contact:

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Baird Intermediate Muncipal Bond Fund Navigates Uncertainty

Baird Intermediate Muncipal Bond Fund Navigates Uncertainty

Milwaukee, WI (Vocus) December 23, 2008

Baird Intermediate Municipal Bond Fund has navigated a variety of markets, but none like we’ve seen lately.

As investors face some of the most challenging markets in a lifetime and potentially higher tax rates under the new Obama Administration, municipal bonds are an attractive choice for many. Municipal yields today are attractive relative to Treasury bonds. Traditionally a safe harbor, municipal bonds used to be considered a close second to Treasury bonds in terms of safety. But in the last year, the safety of many municipal bonds has come into question.

Said Warren Pierson, co-portfolio manager, “Never has it been more difficult for ‘do-it-yourself’ municipal bond investors.” In the past, many investors were comfortable buying a few AAA-rated insured municipals and just holding on to them. But today, you need additional diversification and extra vigilance to make sure your underlying credits haven’t deteriorated.

“The municipal bond market has seen unprecedented downgrades and represents significantly more risk than in the past. Municipal bonds are no longer the safe harbor they used to be.”

For example, municipal bond insurance, which many investors relied on to back up their bonds, is no longer the meaningful backstop it used to be. Another victim of the recent credit crunch, the downgrades of municipal bond insurers meant many investors found the quality of their bonds dropped overnight when these insurers lost their AAA rating.

“This triggered a complete re-assessment of credit risk. It also harmed liquidity as many investors were reluctant to buy bonds that weren’t AAA-rated,” said Pierson. “We’ve never relied solely on bond insurance and always buy bonds that we believe can stand on their own. Less than 20% of our portfolio is insured and the underlying bonds are all high quality.”    

In addition, the Baird Intermediate Municipal Bond Fund likes pre-refunded bonds that have U.S. Treasuries held in escrow to assure repayment. “Our strategy is weighted toward bonds that are backed up with Treasuries because these bonds provide the highest level of assurance that we will receive all scheduled interest and our principal at maturity.

Pierson believes it will continue to be a tough environment for municipalities. The pressure on government budgets at all levels puts additional pressure on cities and counties for more belt tightening. While municipalities planned for rising revenue, the downturn in real estate means lower real estate valuations and ultimately lower tax revenue. This stress could lead to some municipalities facing downgrades or even defaults. “The credit dynamics continue to deteriorate,” said Pierson.

In addition to fiscal pressures, rising interest rates could put significant downward price pressure on longer municipal bonds going forward. As politicians attempt to address the economic downturn, there could be so much fiscal stimulus that leads to potentially higher inflation and interest rates. “We continue to believe the intermediate-term municipal maturities offer attractive returns while providing some protection against rising rates.”

Pierson is part of a team that manages fixed income investments for Baird Advisors, the bond asset management unit of Robert W. Baird & Co. The team’s safety-conscious approach has helped the Baird Intermediate Municipal Bond Fund weather this challenging market. The Fund posted a YTD return of 3.82% through November 30, on its Institutional share class. Lipper ranked the fund No. 1 out of 157, 146 and 123 national intermediate municipal bond funds for the one-year, three-year and five-year periods, respectively, through November 30, 2008. The Fund’s Overall Morningstar Rating is five stars among 236 funds in the muni national intermediate category.

The fund does not invest in AMT bonds whose income may be subject to the alternative minimum tax for some investors.

About Warren Pierson, CFA

Warren Pierson is co-portfolio manager of several Baird Bond Funds including the Baird Intermediate Municipal Bond Fund. He has over 22 years of investment experience managing various types of fixed income portfolios. Prior to joining Baird Advisors in 2000, Warren was a Senior Vice President and Senior Portfolio Manager with Firstar Investment Research & Management Company (FIRMCO) where he played a lead role in the management of taxable and tax-exempt portfolios. He joined Firstar in 1985. He is a member of the CFA Institute and the CFA Society of Milwaukee (past President).

About Baird Funds

The Baird Funds family offers a full range of both fixed income mutual funds , managed by Baird Advisors, and equity mutual funds , managed by Baird Investment Management (BIM) and the Riverfront Investment Group (Riverfront). The seasoned investment professionals of Baird Advisors, BIM and Riverfront use proven, disciplined investment approaches that seek to deliver consistent, competitive returns to mutual fund shareholders. For more information, visit http://www.bairdfunds.com .

About Baird

Baird is an employee-owned, international wealth management, capital markets, private equity and asset management firm with offices in the United States, Europe and Asia. Established in 1919, Baird has more than 2,300 associates serving the needs of individual, corporate, institutional and municipal clients. Baird oversees and manages client assets of more than $ 66 billion. Committed to being a great place to work, Baird is one of FORTUNE’s “100 Best Companies to Work For” in 2008 — its fifth consecutive year on the list. Baird’s principal operating subsidiaries are Robert W. Baird & Co. in the United States and Robert W. Baird Group Ltd. in Europe. Baird also has operating subsidiaries in Asia supporting Baird’s private equity and investment banking operations. For more information, please visit Baird’s Web site at http://www.rwbaird.com .

Information as of 11/30/08

The Baird Intermediate Municipal Bond Fund Institutional Class received five stars for the 3-year period among 226 muni national intermediate term bond funds and five stars for the 5-year period among 210 muni national intermediate term bond funds.

The overall Morningstar Rating for a fund is derived from a weighted average of the performance figures associated with a fund’s three-, five- and ten-year (if applicable) Morningstar Rating metrics.

For each fund with at least a three-year history, Morningstar calculates a Morningstar Rating based on a Morningstar Risk- Adjusted Return measure that accounts for variation in a fund’s monthly performance (including the effects of sales charges, loads and redemption fees), placing more emphasis on downward variations and rewarding consistent performance. The top 10% of funds in each category receive five stars, the next 22.5% receive four stars, the next 35% receive three stars, the next 22.5% receive two stars and the bottom 10% receive one star. Each share class is counted as a fraction of one fund within this scale and rated separately, which may cause slight variations in the distribution percentages. Past performance is no guarantee of future results.

Lipper ranked the Baird Intermediate Municipal Bond Fund Institutional Class No. 1 out of 157, 146 and 123 national intermediate municipal bond funds for the one-year, three-year and five-year periods, respectively, through November 30, 2008. Lipper rankings are based on average annual total returns for the 1,3,5, 10-year/life periods for each respective Lipper category. Each fund is ranked based on average annual total returns assuming reinvestment of dividends and capital gains, distributions, at net asset value and the deduction of all fund expenses. Past performance is not a guarantee of future results.

The average annual total returns for the Institutional Class of the Baird Intermediate Municipal Bond Fund as of September 30 are 3.19% for the one-year period, 2.98% for the five year period and 4.54% since its March 30, 2001, inception date. The expense ratio is 0.30% and the minimum investment is $ 25,000.

Performance data quoted represents past performance. Past performance does not guarantee future results. Investment returns and principal value of an investment in the fund will fluctuate so that an Investor’s shares, when redeemed, may be worth more or less than their original cost. The fund’s current performance may be lower or higher than this performance data.

Investors should consider the investment objectives, risks, charges and expenses of each fund carefully before investing. This and other information is found in the prospectus. For a prospectus and application , contact Baird Funds directly at 800-444-9102, at http://www.bairdfunds.com , via e-mail, or contact your Baird Financial Advisor. Please read the prospectus carefully before investing.

For additional information, contact:

Jody R. Lowe, Lowe Communications LLC

(414) 322-9311

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Should Investors Focus on Higher-Dividend-Paying Stocks [FOX 10-03-2011]

The P/E ratio (price-to-earnings ratio) of a stock (also called its ‘P/E’, or simply ‘multiple’) is a measure of the price paid for a share relative to the annual net income or profit earned by the firm per share. The P/E ratio can therefore alternatively be calculated by dividing the company’s market capitalization by its total annual earnings. Unlike the EV/EBITDA multiple which is capital structure-neutral, the price-to-earnings ratio reflects the capital structure of the company in question. The price-to-earnings ratio is a financial ratio used for valuation: a higher P/E ratio means that investors are paying more for each unit of net income, so the stock is more expensive compared to one with a lower P/E ratio. The P/E ratio can be seen as being expressed in years, in the sense that it shows the number of years of earnings which would be required to pay back purchase price, ignoring inflation and time value of money. The P/E ratio also shows current investor demand for a company share. The reciprocal of the P/E ratio is known as the earnings yield. The earnings yield is an estimate of the expected return from holding the stock if we accept certain restrictive assumptions (a discussion of these assumptions can be found here). – Visit: MeTee.com Our channel sponsor. – This channel is like the 5+ year running: www.youtube.com (has been named many different channel names over 5 years), but it’s not and not related. Subscribe for more news. Like/Dislike, Comment, Favorite …

www.MakeMoneyFromScratch.net There are more ways to invest money. It is not just about the stock market and real estate. Although stocks and real estate still might be considered the high reward investments, bank accounts, bonds, certificate of deposits, and mutual funds are much safer and still yield high returns. So the next time you are looking for a great investment opportunity, look outside the box. Find out more by watching the videos… Visit http for more information
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Expert Futures Broker: Four Reasons for Potential 2007 Stock Market Crash

Expert Futures Broker: Four Reasons for Potential 2007 Stock Market Crash

Naples, FL (PRWEB) January 2, 2007

According to expert futures trading broker Tom Reavis, 2006 was an exciting and profitable year for stock investing but there is good reason to believe that may soon come to an end in 2007. Reavis, president and CEO of Worldwide Futures Systems, a commodity futures trading firm that develops alternative investment strategies for clients, cites four key indicators that foretell a potential disaster for the stock market in 2007.

1. The S&P 500 has a very high correlation to the Housing Market Index (HMI) released by the National Association of Homebuilders. There is a lag time of 12-15 months. When the HMI index goes up, the next year the S&P Stock Index typically rallies. When the HMI falls, the next year the S&P 500 typically declines. The Building Index last peaked in October 2005 and reached its lowest level in 15 years in September 2006. If history repeats itself, the Stock Indexes are about ready to plunge.

2. Money managers generally spread their investments between stocks and bonds. One way of judging if stocks are too pricey is to compare them against the performance of bonds. The argument being that if the difference becomes too great investors will sell stocks and buy bonds. The surge in stocks of 2006 has not been matched by the increase in bond yields. In fact, stocks are rarely as overvalued to bonds as they are right now. The current gap has only been seen one percent of the time. This signal has indicated the two largest market corrections of the last decade.

3. Reavis said he was taught to “follow the guys driving the big cars.” In other words, what are the big boys doing? Currently short positions held by large commercial traders are at a level so high that it has only been reached twice before. The first was in 2001 before the S&P 500 plunged 38 percent and again in late 2004 before prices fell in 2005.

4. Mutual fund managers are very short on cash. Funds are allowed to keep cash reserves instead of stocks and bonds. The percentage of cash that they have on hand is often a good indicator of what might happen in the stock markets. With present interest rate levels smart managers should be maintaining at least 7 percent cash position. Current cash position in stock mutual funds is running just over 4 percent. This means that there is very little cash left to drive prices higher, and if the market does head south, mutual fund managers would have to sell stock to cover redemptions. This would drive stocks even lower. The last two times that cash hit this low level the stock market plunged, first, in 1981 before a two year market slump and again in 2000 before the last big bear market.

To protect against a potentially substantial drop in the stock market, diversify with alternative investments with very low correlation to standard stock and bond portfolios by calling 888-989-WWFS or visit http://www.worldwidefuturessystems.com

About Worldwide Futures Systems

Worldwide Futures Systems is an industry leader in the use of commodity futures trading systems as an alternative investment strategy to the standard stock and bond portfolio. Established on three decades of pit trading in the elite Chicago Mercantile Exchange, Worldwide Futures Systems thoroughly assesses personal risk tolerance and goals of clients to ensure the best fit for each trader. Worldwide Futures Systems offers full service brokerage, broker-assisted trading, managed futures accounts, self-directed online trading or simulated trading on several state-of-the-art platforms.

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Ameritas Direct Aims to Transform the Annuity Market for Active Investors, Advisors

Ameritas Direct Aims to Transform the Annuity Market for Active Investors, Advisors

Lincoln, NE (PRWEB) August 24, 2006

Financial institutions, brokerage firms, financial advisors and active investors will benefit from new investment options managed by ProFund Advisors, LLC in the latest low-cost, trading-friendly no-load variable annuity offered through Ameritas Direct. The Genesis No-Load Variable Annuity is issued by Ameritas Life Insurance Corp., the no-load insurance pioneer, and distributed through its Ameritas Direct division.

Ameritas Direct designed this new breed of no-load variable annuity for the active investor, which features no commission, no sales charge, no withdrawal charge and no policy fee. (Gains are taxed as ordinary income and additional penalties may apply to withdrawals prior to age 59 1/2.) With convenient unlimited on-line trading, the latest possible cut-off times and free on-line transfers, cost-conscious advisors and consumers will have more control and the ability to perform short-term trading within a tax-deferred vehicle. Mortality and expense charges are a competitive 0.90%. Investment options carry their own expenses. All fund transfers are controlled by the consumer or advisor through Ameritas Direct’s web site, http://www.genesisannuity.com.

“Investors are drawn to the Ameritas product because it provides them a level of financial flexibility and cost-savings never before experienced with a no load variable annuity,” said Mitch Politzer, senior vice president at Ameritas Direct. Variable annuities are long-term investments designed to supplement retirement income.

Ameritas Direct has raised the maximum premium (without prior approval) on the Genesis No-Load Variable Annuity from $ 1 million to $ 5 million for all new accounts.

“Previously an initial investment over $ 1 million would require pre-approval,” said Todd Schoenberger, of Genesis Partners. “Now, an initial investment of up to $ 5 million would not be subject to the pre-approval which provides a more streamlined, investor-friendly account opening process.”

Ameritas Direct recently added two new investment options, ProFunds Dow 30 and ProFunds Short Dow 30. Investors now have access to 22 ProFunds sub-account variable portfolios, which consist of investment options provided by ProFund Advisors LLC, the nation’s largest provider of index-based mutual funds.

No-load Variable Annuity cont.

“Investors seeking a market timing alternative to mutual fund investing will be attracted to a product like this which will permit active trading and complements all types of investment philosophies including strategic assets allocation, tactical asset allocation, buy-and-hold, sector trading and bond trading,” said Todd Schoenberger, managing partner of Genesis Partners, Inc. “Buying and selling these funds outside of a variable annuity would certainly increase the investor’s tax liability. However, investors who use the Genesis No-load Variable Annuity will have all of their earnings tax-deferred.”

Ameritas Direct provides on-line trading capabilities (including group trading) through its web site. The ProFund sub-account options that are part of the annuity have a trading cut-off time of 3:45 p.m. eastern time, with the exception of the sector funds and the Access High Yield Fund. These sub-accounts have a trading cut-off time of 3:20 p.m. eastern time. ProFunds VP Investment Options each seek to correlate to a known index, issue investment practices considered aggressive and attract active and frequent traders. These factors increase the risks of higher portfolio costs, loss in value, deviations from the benchmark index and having to liquidate investments at an inopportune time.

About Ameritas Direct

http://www.genesisannuity.com


Ameritas Direct, a division of Ameritas Life Insurance Corp. and the no-load insurance pioneer, delivers maximum value with policies unburdened by sales loads and commissions (although insurance charges apply). Its products are issued by Ameritas Life Insurance Corp.

About ProFunds

http://www.ProFunds.com


ProFunds offers the widest selection of index-based mutual funds in the industry with the flexibility to control the investments.

For more information, contact:

Patty Reiners, Ameritas Direct, 402-467-7134

Neil Baluck, ProFund Advisors LLC, 240-497-6494

Todd Schoenberger, Genesis Partners, Inc., 410-798-1254

The Genesis No-Load Variable Annuity form 6151 is issued by Ameritas Life Insurance Corp. and underwritten by affiliate Ameritas Investment Corp. Variable annuities have investment risk, including the possible loss of principal. Before investing, carefully consider your investment objectives, the risks involved, charges, expenses and other important information about the policy issuer and underlying investment options. This information can be found in the policy and investment option prospectuses. Investors can obtain copies by calling 800-552-3553. Please read the prospectus carefully before investing or sending money.

Genesis Partners, ProFund Advisors LLC and Ameritas Investment Corp are not affiliated.

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, Vocus PRW Holdings, LLC.
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Capital Investment or High Yield Investment: Which is the Better Way to Invest Money?

Banking and Finance is not one of the topics many people like to talk about. This is because these two areas require some specific information that ordinary individuals know nothing about. At the same time, there are unusual terms such as high yield investment, capital investment and many more. While these terms may sound alien to us, they are the bread and butter of many financial experts. As such, it is with their expertise that we have compiled what these terms mean.

High Yield Investment

When it comes to High Yield Investment Programs (HYIPs), these are non-traditional investments which are not being advertised to the public. There are generally two kinds: the first has a correlation with offshore banking while the other involves trading in gold, shares, futures or other currencies. No matter how many people will say that this is a great way to earn money, there is also a high risk involved. At the same time, a lot of scams have been linked to this type of investment.

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Capital Investment

There are two known usages of this in businesses. The first refers to money which a business uses in order buy fixed assets such as machinery, land, or buildings. The other usage for this refers to the money which has been invested in a business under the understanding that it will be used in order to buy fixed assets. This money is not being used to cover the daily operating expenses of a business.

Aside from these two, there are still other forms of investment. So if you are planning to put your money into good use, it is important that you learn which type will best work for you. As always, you can use your extra money for mutual funds. By doing so, you can get to join the interesting world of the stock market.

No matter what you choose, make sure your investment is protected. Just like with capital investment, you have to safeguard your money so the business that uses it, will really put it to good use. Money doesn’t come free and they should know that!

Related High Yield Mutual Funds Articles

High Yield Money Market Account: Instead of an Introduction

There are several options to invest your money. It is still a matter of anxiety for everyone. One finds it difficult to decide where one’s money will be safe and will produce good returns. If anyone gets a huge sum by disposing of one of his valuables, he should invest the amount somewhere. High yield interest returns are the innocent target no doubt. If he goes for a certificate of deposit, he is sure that there is very restricted access. If he considers investing in the stock market, it is not unnatural that he may scream apprehending great loss in profit. Banks and financial institutions are in plenty. He can open a savings account and this he can do just to earn a few cents as interest. It is better, for all practical purposes, to try one’s future with the high yield money market account.

If you have a high yield money market account, you will find three avenues to retrieve your money. You are allowed to secure checking accounts. You can get an ATM card, which is handy which you can use to withdraw your money as and when you need it. There are also provisions of online transfers. A high yield money market account is famous for the higher rates of interest it generates, and this is higher than what is available in any other savings accounts. The interest rate is usually one percent higher and sometimes it is two percent higher than what the banks or financial institutions pay. This kind of account is also famous for the annual percentage yield which means that interest earned from the investment are allowed to produce interest further. This is nothing but compounded interest.

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Midland Asset Management, Dallas TX, a Fee-Only Financial Planning Firm, Releases its Process of Bond Management

Midland Asset Management, Dallas TX, a Fee-Only Financial Planning Firm, Releases its Process of Bond Management

Dallas, TX (PRWEB) May 18, 2007

Midland Asset Management releases its process of bond management. At this critical junction in the economic cycle, Midland Asset Management believes this information is pivotal.    

The focus for any bond investor can best be summarized: “The primary goal of a laddered bond portfolio is to achieve a total return over all interest rate cycles that compares favorably to the total return of a long-term bond, but with less market price and reinvestment risk.” Source: TIM

Historical Perspective

During the late 1980′s and 1990′s, investors owning municipal bonds or municipal bond mutual funds with long maturities (greater than 10 years) enjoyed gains averaging over 12% per year. However those periods were when the Federal Reserve was reducing interest rates – consistently. On the opposite end of the spectrum was the decade of the 1950′s — considered the worst decade for owners of long-term bonds with investors experiencing an average annual loss of -0.1% (with re-invested interest income).

If one owns a bond with a long maturity one needs to know what the expected interest payments over the life of that bond. The price of any bond is the present value of this stream of interest payments discounted at current interest rates. As rates fluctuate, the present value of this stream of payments constantly changes. Below is chart showing the difference in average rates of return and the riskiness (standard deviation) of the bond.

Summary Statistics of Annual Returns

1962-2001                         Average Annual Total Return         Standard Deviation of Return

Treasury Bills                                             5.96%                                             2.61%

5-Year Gov’t Bonds                                    7.33%                                             6.58%

20-Year Gov’t Bonds                                 7.08%                                            11.44%

Source: Ibbotson Associates

One will notice that Intermediate bonds, defined as those with a maturity of five years, had higher total returns with almost half the risk (standard deviation) of long-term bonds.

Midland’s Process to Managing Municipal Bonds

Midland believes laddering provides a municipal AAA bond portfolio with staggered maturities so that a portion of the portfolio will mature each year. Laddering tends to outperform other bond strategies because it simultaneously accomplishes two goals:

1. Captures price appreciation as the bonds age and their remaining life shortens

2. Reinvests principal from maturing short-term bonds (low yields) into new intermediate bonds (higher yields)

However Midland also reviews certain issues that are special to the municipal bond itself. Midland feels those issues can be captured in the table below. As one builds a municipal bond portfolio, Midland’s process weeds out the bonds which are window dressed by investment bankers to look good but peeling off the cover reveals a bad stench.    

                    Risk Control Strategies

     Risk                                                Solution

Credit Risk                 Careful selection, diversification, ongoing credit review

Income Tax Risk                    Municipals and tax-deferred

Market Price Risk                         Compromise

Re-investment Risk                     Compromise

Source: TIM

Midland believes since the Federal Reserve, Hedge Funds and other soothsayers on Wall Street cannot predict where interest rates are going in the short, intermediate or long-term Midland will not either. What is point of paying someone to guess? Midland’s focus is to build a portfolio of municipal bonds which provide stable income and to provide the bedrock for one’s overall investment portfolio.

Looking at any highly rated municipal bond fund one can observe the drastic changes in its price. The aim of a laddered municipal bond portfolio would be to smooth out the changes in value and to create a stream of interest payments to match one’s income needs. Mutual funds or money managers don’t have the time or ability to match one’s needs specifically. At Midland Asset it is the focus for one’s income needs to be matched with one’s income goals.

For more information, please visit http://www.midlandasset.com.

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, Vocus PRW Holdings, LLC.
Vocus, PRWeb, and Publicity Wire are trademarks or registered trademarks of Vocus, Inc. or Vocus PRW Holdings, LLC.

Offshore Investment and Banking Becomes More Attractive in Uncertain Economy

Offshore Investment and Banking Becomes More Attractive in Uncertain Economy

San Jose, Costa Rica (PRWEB) March 10, 2006

Rising oil prices and mounting U.S. debt is sending investors overseas in greater numbers.

The opportunity to move money into offshore markets is looking more attractive to U.S. investors who are troubled by low returns and a wildly fluctuating stock market. Despite the reduced regulatory oversight in many countries, and the absence of government-backed insurance programs like the FDIC, the lure of high interest rates and double-digit returns available in many emerging nations is having an impact here in the United States.

“Nearly anyone has the opportunity to benefit financially from the higher returns being offered by offshore investment opportunities these days.” Said global banking specialist Ron Z. Mendelson of offshoreXplorer.com .

“Although there are tax ramifications involved with offshore investment strategies, they can be mitigated by choosing to invest in markets that offer double taxation treaties, or by either establishing a domicile in the target country, or by creating an offshore investment structure that is designed to isolate offshore gains from domestic gains.” Mendelson added.

The financial barrier to entry continues to fall as more and more offshore banks are willing to open accounts with a minimum of $ 1,000 in initial deposits, but deposits of $ 25,000 or more are generally needed in order to generate any substantial returns.

“Navigating the complex legal and tax issues involved in investing and banking offshore requires the services of a professional who is specially trained in offshore investing and banking.” Mendelson said. He went on to explain that this is because countries like the U.S., Canada, the U.K. and other EU nations have very specific laws and regulations concerning offshore financial activities. Mendelson believes these laws are far to complex for the average investor to safely navigate without guidance.

While many investors opt to participate in straight investment programs such as purchasing overseas securities, investing in offshore mutual funds, and buying high-yield certificates of deposit, there is an emerging trend towards creating offshore asset protection trusts that place additional barriers between the trustee’s assets and creditors who seek to attach those assets.

Investors who are thinking about moving their money offshore will discover that many recognized brokerage houses offer individual and joint cash or margin accounts, corporate and partnership accounts and Estate and Trust accounts. In addition, most accounts can be accessed via the Internet which makes investing in offshore markets as easy as investing at home.

“The key to successful offshore banking and investing is to select an offshore investment and banking advisor who is familiar with the country that you are thinking about opening an account in, and who is available to help you select reputable bankers and brokerage houses.” According to Mendelson.

Depending upon individual circumstances, offshore investing and banking appears to be a good way to receive tax benefits, increase investor privacy, and participate in attractive investment opportunities that might not be available in the investor’s home country.

For more information visit http://offshoreXplorer.com

About offshoreXplorer.com

Established in 1999, privately-held offshoreXplorer.com serves large and small organizations throughout North America, Europe and Asia with incorporation services, establishing offshore trusts, as well as creating offshore companies aimed at protecting assets to legally reducing annual taxes.

Ron Z. Mendelson, director of offshoreXplorer.com, is an expert in offshore asset protection strategies, and specializes in wealth protection, foreign asset protection, international business corporations, worldwide investing, global banking, offshore online gaming, and international e-commerce.

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