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My Investing Strategy for 2012 [ February 5th, 2012 ] | 209 views | Leave a Comment

Although the market outlook is uncertain due to the European debt crisis but I will also plan to make minimal stock investments. I will only invest my savings in high yield dividend stocks when the market plunges. I think property is the best hedge against inflation. Therefore, I will invest in a medium cost apartment soon. Besides, gold is another option to preserve our money and diversify our portfolio. It would be great if you can plan to allocate some funds for gold of 20g to 50g.

investing strategy

My recent strategy is to invest for income and capital preservation in view of the market volatility. For my unit trust investment, I will try to diversify by allocating one third of my portfolio into medium term aggressive fund. Meanwhile, for my stock portfolio, I will try to minimize my risk by investing in defensive counters which also provide dividends consistently.

Important Tips for First Time Home Buyers

sungai_petani_house

As I known, the main roadblock when buying house is cash. Before you looking for a housing loan, make sure that you handle your income and current expenses very well. This is the basic information that you should know you are get ready to buy your first home. Normally, I will consider the factors as below:

1. Down Payment

Normally, down payment of 10-20% will make you easier to qualify for a housing loan in today’s market. If you don’t have much money for your down payment then you still can find other program that does not require you to put down payment. But, you have to have good credit so later time you won’t have any financial crisis.