Category: Investment

Bangalore is one such city which is suited best for residential and commercial property both and that too in an affordable prices as compared to any other metropolitan. As IT sector touching the new skies in Bangalore one can clearly witness a noticeable demand from end-users in and around the city.

Bangalore has the potential for other industries like biotechnology and aerospace as well besides, IT industry. As the government is planning some dedicated parks around Devanahalli and Doddaballapur for these industries. Over 50 residential property in Bangalore related queries posed by prospective buyers from across the country on May 1st 2012. These queries ranged from IT corridors worth investing, investment in commercial property in Bangalore, home options in a specific budget and location, guideline – buyers should look before investing among others.

The specific areas to look out in the city would be East and North Bangalore. As East Bangalore is already an established destination and North is the next growth corridor as lot of infrastructure developments are taking place. Hence, the potential for appreciation would be higher in North as compared to East.

For home buyers at investing in property in Bangalore, IT corridors within a budget of Rs. 30 Lakh, as advised that buyers should look for an apartments either in Yelahanka in North Bangalore or on Mysore Road. Further speaking about an affordable renting options near Electronic City, pointed that Sarjapur Road, HSR Layout, Bannerghatta Road are all in close proximity and well developed residential localities.

Addressing the user about investment either in apartment/plots or villas, as suggested that one should go for an apartment or a plots as maintenance and renting a property would be easier. As villa is a little risky if you do not find a tenant as you will have outflow every month for maintenance.

Commenting on the growth potential of commercial and residential property in Bangalore, Mr. Ravindra Pai said that commercial property with a grade A tenant and gives a yield of 10-13% while the return out of residential typically in the range of only 4-6%. While choosing a commercial property in Bangalore more than the location one need to look out for the quality of the building the tenant and yield in addition to the title and other diligence.

As Mr. Pai said, ideal areas to be considered for investment in Bangalore among IT Driven localities are Sarjapur Road, Whitefield, Outer Ring Road and Electronic CIty. As their is South Bangalore which is expected to witness rise in capital and rental values with the proposed metro connectivity. Localities such as HSR Layout, Bannerghatta Road, JP Nagar are among other witnessing a stable rise in values across the city.

Witnessing maximum transactions in South Bangalore in localities like Bannerghatta and Kanakapura Road, Mr. Arif Iqbal of Elite Group said, here the multi storey apartments of 2,3 and 4 BHK size units were most popular. As there has not been a good appreciation in prices in the month of Jan-Mar 2012 quarter compared to the previous quarter, with prices increasing by 2-4% only in this quarter.

As the proposed metro in South Bangalore is likely to affect the capital values positively one can easily expect an appreciation of 10-15% after the metro starts operating. Localities such as Bannerghatta Road and Kanakapura Road mostly attract end users rather than investors due to slow appreciation expected from these localities.

The investors can only reap good benefits after 3-4 Years. From the real estate perspective, Bannerghatta Road is the most popular as it is dominated by BPOs and IT companies, therefore the area is excelling in terms of residential property in Bangalore.

Buying properties that involves owning a home and moving ahead of the property ladder is probably the most exciting means to ensure financial stability. There isn’t any other investment today that could offer both stability and excellent returns than that of property investment. Even though the stock market could provide high returns, it is an unstable place that could decline anytime, especially now that it is apparently underperforming. As such, many people are now turning toward property investment and considering it as the best investment vehicle that could brought about long term financial wealth.

Owning an investment property overseas has become popular than ever. As a matter of fact, many people today are cashing on in properties that would serve as getaway havens for their families, rental spaces that could help earn good returns, or an investment that they could acquire capital gains from in the future. There are many reasons why it pays to have a property investment abroad. First, you have the chance to experience reduced taxation by having your property rented and of course have a stable income out of it; second, you and your family could enjoy several weeks of vacation especially if you have several properties in different foreign locations; and of course, there are more chances for the price of your property to increase overtime, which you could take advantage of and have it up for higher resale value.

Now that you’re familiar with some of the benefits that you could gain from owning an investment property overseas, it is more likely that you would like to have your property investment started. There are many places that offer good property investment opportunities and one of the most promising today is in Guam. Guam is an island territory of the US that is located at the crossroads of Asia-Pacific countries like Korea, Japan, China, Hong Kong and Philippines. It is an island of regional economic hub because of its location, modern telecommunication and developed infrastructures.

During 2005, the governments of United States of America and Japan announced that the 8,000 marines serving in Okinawa would be relocated in Guam by 2010. Such event requires $10 billion of new construction and procurement of infrastructures that would support the expected growth of people in the island. As such, many investors from Asia, United States and other nearby countries realized the potentials of Guam in becoming one of the major destinations for investment property overseas. Accordingly, the island of Guam is now experiencing an increased rate of expansion in the field of property ownership.

Tumon of the Tamuning district is one of the best places where one could own a property in Guam since it is the island’s economic and tourist center. Tumon Guam presents several major advantages for investors, individuals and families who wish to have their properties in this location. As it is the major hub of the island, it is here where notable high rise hotels, souvenir shops, malls, and upscale boutiques can be found, making it a premier shopping destination for many foreigners as well as local citizens. It is also regarded as one of the areas in the island that has the best greenery and beaches that are all wildlife preserved.

In terms of financial services, Tumon has a full range of services that includes collections, letter credits, money transfers, automated tellers, money markets, and commercial and residential estate loans among others. Tumon also has a very competitive education, transportation and business outlook that could be credited to its US standard adherent infrastructures and information technology. Likewise, communities are well secured as seen from military presence and political stability. Apparently, Tumon Guam is indeed a good property investment location for both investors and homeowners.

Nagpur, referred to as the ‘orange city’, is located in Maharashtra. It is a major city and contributes heavily to the state economy. In fact, it is known as the second capital of Maharashtra. It is emerging as the most promising location for investment in India. The infrastructure development is leading cause for Nagpur as an investment destination in India.

Many IT and IT related companies have established base in Nagpur. Great infrastructure coupled with skilled labor is the chief reason for Nagpur being held as a preferred destination. It fully satisfies the pre-requisites of the IT industry; i.e. power and connectivity. IT majors such as Wipro, Infosys, and HCL have already established their centers in Nagpur and many others are following suit. This industry offers great investment potential and growth prospects.

Nagpur also has many specialized and premier institutes. These top-notch institutes are the major reason why there is an abundance of professionals available in Nagpur. Foreign investors can also look at investing in the education sector owing to Nagpur’s excellent infrastructure. Also, the government has relaxed some FDI norms for investing which is an added stimulus to invest in this sector.

The real estate sector in Nagpur is going through a boom time. The MIHAN (Multi Modal International Hub and Airport for Nagpur) is a project that is going to boost the real estate sector further. The International Airport is also going to be set up as a part of the MIHAN project which will further boost the prospects of Nagpur.

MIHAN is also set to have an Information Technology Center, a captive power and a health center along with other manufacturing units. The infrastructure is supposed to be top notch and up to international standards. This project will transform the landscape of Nagpur. Thus, the real estate sector offers good prospects and potential for investment with more government initiatives such as these.

The transport industry is yet another area for foreign investment. To keep pace with the industrialization and establish Nagpur as a world-class city, the transport avenues are going to need up-grades. Hence, this sector has the potential for foreign investment and expertise.

The tourism industry is an area for investment, too. This sector has already garnered 120 million dollars. Nagpur has many popular tourist locations such as the Ambazari Lake, Balaji Mandir and the Sitabuldi Fort. Tourists visit Nagpur frequently, especially during the winter season. This is another major area one can look to invest in.

Agriculture is a significant contributor to the economy of Nagpur. Crops such as sugarcane, wheat, pulses, and cotton are grown here. Nagpur is especially famous for its oranges worldwide. Hence, the agricultural sector is also a great avenue for investment.

Owing to its strategic location, it can also be used as a multi-model trans-shipment center for agro and industrial commodities within India. It can also act as an international complex for cargo products.

Nagpur offers a plethora of options and foreign investors can look to invest in the above mentioned areas and avenues in Nagpur to reap multiple benefits.

Here at Hypo Venture Capital we are committed to offering our clients access to the latest and broadest range of financial services and products on the market. We know that choosing the right strategy, the right investment and the right product is no easy task in this day and age! Whether its advice, investments or financial planning we are here to answer all your questions and facilitate all your financial needs.

There are so many options for retirement investment planning that even the most ambitious person can feel daunted. But learning about retirement investment strategies as a young or middle-aged adult can save all kinds of financial worries later. The soundest approach to investing for retirement is to save slowly but persistently, and invest widely with as much information as possible.
The Best Approach to Retirement Investing

Every expert has a different recommendation for the best retirement investment decisions, but some advice is universal:
1.Figure out how much retirement income will be needed. Retirement investment calculators are available online that can predict how much a given investment will be worth or how much retirement income will be needed to maintain quality of life by retirement.
2.Start now by opening an investment retirement savings account. Even a small amount, deposited every week or every paycheck, eventually adds up to substantial savings that can be used to fund a comfortable retirement.
3.Knowledge is power. Take every opportunity to learn about retirement investments, as well as the best investment planning in general, and invest money from the aforementioned retirement account wisely as opportunities appear.
4.Create a diverse portfolio. Some stocks will go up while others go down. The real estate market might be booming while sales in other areas fall. The best retirement investment planning takes this into account and invests in several different options at once to ensure a solid investment portfolio that will do well, no matter what.
Retirement Investment Options
There are many retirement investment strategies available. While the best investment plan is always to diversify, with several investments, the following options are a key part of most investment strategies aimed at yielding retirement income:
Annuities An annuity works like the opposite of a mortgage. Money is invested in advance, and in retirement years the annuity pays out principle and interest on the investment.
GICs GICs guarantee a fixed rate of interest if money is left in an investment for a pre-arranged period. Once the term of the GIC is up, retirement funds can be reinvested again until needed.
Stocks, Bonds, and Mutual Funds While there are differences, each of these investment vehicles is a way to speculate by investing money where it may grow or may, possibly, shrink. The riskier the investment, the greater the potential earning. It’s wise to invest a portion of retirement savings in riskier investments like stocks and mutual funds, if thorough research suggests that they have a good chance of succeeding in delivering a healthy return on investment.
Home Equity Real estate is always a smart investment, and paying off the family home before retirement is one of the smartest investments. House values will only rise over time, and home equity can also be used in a reverse mortgage or withdrawn in a lump sum home equity loan if money is needed to supplement retirement income.
The best move, for anyone thinking about investing for retirement, is to learn as much as possible about retirement investment strategies and consider all the options in selecting investments. Speaking with a qualified financial advisor is a first step on the way to a solid investment strategy, and the first step to a profitable retirement portfolio.
About the Author:
Stephen Holmes is a Senior Vice President at World Assets Advisory, with experience in the Financial Services industry spanning over 25ys and 3 Continents. Stephen currently directs the Portfolio Risk Management Group after moving from the Equity Derivatives Research Group 3yrs ago. He has a PhD in Experimental Particle Physics and has been working in the alternative investment industry since 1992. His interests include classical music, reading and he often is a guest speaker at corporate functions with a focus on Technology in Society.

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Hypo Venture Capital is an independent investment advisory firm which focuses on global equities and options markets. Our analytical tools, screening techniques, rigorous research methods and committed staff provide solid information to help our clients make the best possible investment decisions. All views, comments, statements and opinions are of the authors. For more information go to www.hypovc.com

Real estate investment is not really one of the major priorities of young career persons. Many of these professionals choose to rent an apartment or a condominium unit and then save some part of their paycheck for a car investment. But investing in a house is really one of the best financial management strategies that young people can get into especially if they have a smooth-sailing career and they have quite high income. This kind of investment can also help them learn the value of making responsible monetary decisions. It is best to start investing in a house at a young age. If you want to start learning the real estate industry, here are some tips to help you achieve success in investing.

Always save money Every time that you receive your paycheck, make sure that you allot some amount for your savings to help you be financially independent later in your life. If you start to save at a young age, the amount you will accumulate can be a big addition for the down payment you will give for the house. This will allow you to pay lesser monthly fees for the mortgage.

Keep a good credit history It will be easy for banks and lending companies to grant your home loan approval if you have a good record on your credit accounts. Paying your bills on time and every due date are some ways to maintain a positive track for your credits.

Define your budget Calculate all the money you have including your savings and estimate how much of it you want to allocate for the house. One major payment you have to consider is the down payment. Furthermore, you should also allocate some funds for the renovations, repairs, maintenance and mortgage fees you have to pay.

Research You have to learn the basics of real estate industry before you get into it. There are several helpful resources from the internet you can read that contain useful and basic information about investment and real estate. Being equipped with the basic knowledge will make it easier for you to talk with real estate agents and professional. It will help you avoid getting into a bad real estate investment.

List your conditions Create a detailed list of the qualities you are looking for in a house. Also include in that list the needs and wants you have for your house. This will make it easier for you to locate the house that best satisfies all those written in the list. You should also create a list of your reasons why you want to invest in a real estate property to give you focus and motivation to pursue this endeavor.

Look for a good realtor A realtor can be very helpful for you to get the best deal so try to hire one that is dependable, trustworthy, and unselfish and will loyally work exclusively for your own interests and advantages.

Be open-minded Ask opinions from other people that matter to you and have an open mind in all the insights and comments they will give you about the property. Opinions of your friends and family who have bought a house already can be helpful to you when making your own decision.