\n\tThis article was published on 26.05.2010\n<\/p>\n
\n\tIn April 22nd<\/sup>, I had presented to you my opinion about how to get the most profit out of 50.000 Euro. You can find that post here. Just 5 weeks later, you can check what I had proposed to you and knowing what happened, you can extract your own opinion.| \n\tDeposits: The corner stone of every investment<\/strong> \n\t\n<\/p>\n \n\tabout 20.000 – 30.000.\n<\/p>\n \n\tWhy?<\/strong>\n<\/p>\n \n\tTips<\/strong>\n<\/p>\n \n\tIf you are a more defensive investor, this sum can increase. But also this means that the overall outcome of your investment will be lower.\n<\/p>\n \n\tTry to negotiate in order to block your money for 3 months, receiving an interest rate close to the best possible. If you deposit your amount for 1 year, you may lose opportunities throughout the year, as the economy is still very volatile.\n<\/p>\n \n\tRon pays better interest, but the trend for the following period is to depreciate against Euro and Dollar. (personal estimation).\n<\/p>\n \n\tDon't change bank just because someone else pays you 0,1% more. Build a relation with your banker, you never know where you might need it.\n<\/p>\n \n\tForex market: Do you like playing with fire?<\/strong> \n\tStock Market: Yes, if you are ready to lose as well<\/strong> \n\tWhy:<\/strong>\n<\/p>\n \n\tTips:<\/strong> \n\tI would choose strong shares, SIFs and other "blue chips" of the Romanian Market. There may be other shares which will over perform comparing to these, but these shares are also dangerous to crush as well, leaving you speechless. <\/span>\n<\/p>\n \n\tChoose shares with high liquidity. Imagine yourself getting blocked in an investment where you simply can not liquidate it. How does it feel like? <\/span>\n<\/p>\n \n\tPlacing margins is always useful, especially for short term investors. An increase of 20%-30% and a depreciation of 10%-15% would be the ranges that would indicate an exit moment. <\/span>\n<\/p>\n \n\tPlacing the whole amount in one share should be avoided as well. (I would personally wait a bit more, to see the stocks returning closer to their 2009 low levels year before investing in this segment). <\/span>\n<\/p>\n \n\tIf you invest 10 – 15% of your capital in shares, it will be considered a defensive strategy. More than 30% of your capital would be definitely an aggressive (and risky) strategy.<\/span>\n<\/p>\n \n\tReal Estate: Among the best options<\/strong> \n\tApartments:<\/strong> \n\tLocation and quality worth, are paid more but they pay back too. <\/span>\n<\/p>\n \n\tTarget an annual yield of 7 – 8% out of rents. <\/span>\n<\/p>\n \n\tOn the long run, you can expect a 5-6% yearly increase of your property's value. <\/span>\n<\/p>\n \n\tLands:<\/strong> \n\tStrategies: Deposit and…<\/strong>\n<\/p>\n \n\tAfter you have deposited 20.000 – 30.000 Euro, you have an available amount of 70.000 – 80.000 Euro to invest. If you choose Real Estate, these are your options:\n<\/p>\n \n\t– Two studios. <\/strong>\n<\/p>\n \n\t– One studio and one land<\/strong>\n<\/p>\n \n\t– One apartment of two rooms and one land<\/strong>\n<\/p>\n \n\t– Two lands.<\/strong>\n<\/p>\n \n\t– One small land inside the city, for a small block.<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":" This article was published on 26.05.2010 In April 22nd, I had presented to you my opinion about how to get the most profit out of 50.000 Euro. You can find that post here. Just 5 weeks later, you can check what I had proposed to you and knowing what happened, you can extract your own […]<\/p>\n","protected":false},"author":3,"featured_media":59454,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[216,17,236],"tags":[],"_links":{"self":[{"href":"http:\/\/www.iliaspapageorgiadis.ro\/english\/wp-json\/wp\/v2\/posts\/5424"}],"collection":[{"href":"http:\/\/www.iliaspapageorgiadis.ro\/english\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"http:\/\/www.iliaspapageorgiadis.ro\/english\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"http:\/\/www.iliaspapageorgiadis.ro\/english\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"http:\/\/www.iliaspapageorgiadis.ro\/english\/wp-json\/wp\/v2\/comments?post=5424"}],"version-history":[{"count":0,"href":"http:\/\/www.iliaspapageorgiadis.ro\/english\/wp-json\/wp\/v2\/posts\/5424\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"http:\/\/www.iliaspapageorgiadis.ro\/english\/wp-json\/wp\/v2\/media\/59454"}],"wp:attachment":[{"href":"http:\/\/www.iliaspapageorgiadis.ro\/english\/wp-json\/wp\/v2\/media?parent=5424"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"http:\/\/www.iliaspapageorgiadis.ro\/english\/wp-json\/wp\/v2\/categories?post=5424"},{"taxonomy":"post_tag","embeddable":true,"href":"http:\/\/www.iliaspapageorgiadis.ro\/english\/wp-json\/wp\/v2\/tags?post=5424"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}
\n\tBut many of you had asked me to present to you options for higher sums of money. This is why today we will talk about a sum of 100.000 Euro.\n<\/p>\n
\n\tNo matter what you want to do with the rest of your money, a minimum of 20 – 30% should be kept at a bank deposit. For 100.000 Euro this means\n<\/p>\n\n
\n\tLately I hear many people gambling in the Forex market, exchanging currencies etc. If you are not an expert, I suggest to you to avoid this strategy, because you can end up having an empty bank account without realizing how…\n<\/p>\n
\n\tWith Romanian stocks having crushed by 40% over the last month, things started to enter in the right order. It was not normal for an economy to be in a continuous decline and its Stock Market to party for 13 consecutive months. But this drop creates a more interesting environment for investors.\n<\/p>\n\n
\n\tInvesting in Stock Market means that you are ready to lose part of your capital. Also you are supposed to have a minimum knowledge of the field, avoiding unnecessary risks. If not, stay away. <\/span>\n<\/p>\n\n<\/ul>\n
\n\tFor the ones who want to beneficiate both from safety and as well from the possibility of a significant increase of the value of investments, real estate properties continue to be a solution. The property prices dropped, in average, with 40% up to 70% compared to the peak from the beginning of 2008. More or less, the prices have reached their "rock bottom". Be careful, not the asked prices you see in the newspapers and sites, but the final ones after the negotiation (if the owner really wants to sell).\n<\/p>\n
\n\tChoose properties built after 1985, ideally new.<\/span>\n<\/p>\n\n<\/ul>\n
\n\tIf you believe in fairytales, invest in lands without utilities. If not, I suggest to you to choose properties that either benefit of utilities or they are very close to them (few hundreds of meters).\n<\/p>\n\n