The challenges of the 21st century require finance strategies experts. Never before has our role has been so important. The future of vital issues such as security, peace, coexistence in pluralism, sustainable development, AIDS, the identity of the peoples, the Status of women or children and minority will depend on the strategic approaches that different economic and social agents face. This Forum has been created to help all Ibero-americans with their various challenges.
In 2013 we have introduced a few new programs, which had a great success. Our students love these and we plan to introduce more in the future. Here are all the programs:
Update November 2015: To make sure that we reach as many people as possible we decided to translate our whole website into English. Some pages or parts of it could be offline or in both languages until the process is finished. Thank you for understanding.
An investment in knowledge pays the best interest. Ben Franklin
Universidad de Valencia
This is a vibrant group of students who explore ideas, opportunities and do research in various fields. Every year, students decide which topic they want to do research on and the best get awards. This year’s topic was ‘INVESTMENTS’. Jese Moralez was one of the first students who finished the research, and here are a few basic ideas that he included in his work:
How Can Students Start Investing
Instead of just letting your savings sits in the bank, you should invest it so that it can help you to earn more money. For beginners, it can be an daunting experience when they make an investment for the first time. The following are six investing tips for beginners.
1. Make Sure You have Enough Savings
Before investing, you must make sure you have enough savings to cover for at least 6 months. The savings should include an emergency fund that will cover your expenses in case something happen. If you have debt, make sure you pay it off first or reduce it to a level you can manage. This is because the cost of your debt is likely to be more expensive than your investment.
2. Become Familiar with the Different Types of Investments
Every student should get familiar with the types of investments so that you know which one to invest in. There are many forms of investments including bonds, stocks, mutual funds, forex, options and etc. Bonds is the safest to invest as it has little risks and high potential returns. However, bonds have lower returns compared to securities. Investing in stocks is like buying a part of a company. Stocks provides a much higher returns than bonds. However, stocks carries a risk that you will lose part or all of your investments. Mutual funds is investing in a collection of stocks and bonds. In mutual funds, you are paying a professional manager to select investments that are profitable. Forex is the buying/selling of currency pairs to make money. Options trading involves predicting the price of an asset before the due date.
3. Set Down a List of Goals
You should set down a list of goals you want to achieve from the investment. After setting down the goals, you can determine the duration of the investment, which is how long you will need to invest to get the returns. Creating an investment plan can help you to determine which investment products to invest in.
4. Students Should Invest in Low Risk Investments
Beginners should invest in low risk investments such as ETFs. When you are able to cope with higher volatility, you can invest in riskier investments such as stocks. It is important to always diversify the portfolio as it will help you to reduce risk and increase your chances of getting a higher returns. If you have time to monitor the market, it is recommended that you invest in stocks. Stock investment is suitable for people with larger capitals.
5. Find Out the Investment Fees
All forms of investments have fees. The fees varies across different investment firms. If the investment has expensive fees, it will not be worthwhile to invest as it will consume your earnings. It doesn’t necessarily mean that an investment with higher fees will perform better. You should always check the fees to make sure it is a good value based on the investment performance.
6. Understand the Investment Risks
You need to understand the risks involved in the type of investment you choose. Every asset has different types of risks. For example, the risk of investing in the stock market is that it is highly volatile and unpredictable. It is relatively safe to invest in companies in the USA but it is risky to invest in companies located in countries such as India and China. The risk is higher when you want to get more profits in return. The higher the risk, the higher the chance you will lose money. It is best not to invest in a large sum if you only have a savings that covers for a short term.
It is important to learn the basics prior to making any form of investment. By learning the basics, you will be able to invest with confidence. Especially students should make their first investments carefully.