By an investment of funds (English financial investment) one understands the investment about money. A goal is to be gained it ideally an increase in value or a yield to obtain at least however the material value. The necessary funds are made available by saving for an investment of funds. Among the Ge or consumption acquired goods are not ranked as investment of funds. The investment of funds includes also the investment also.

The investment of funds can

• by direct investment with a trustworthy business partner
• with a bank by the acquisition of savings products
• on the capital market by the acquisition of shares or obligations takes place.

By the plant the financial source does without the direct Nutzniessung (e.g. consumption) of his capital. For this renouncement it is compensated by the capital taker with a net yield in the minimum height of the interest rate without risk at present valid at the capital market. If the debtor cannot exhibit the highest soil quality, the financial source a further interest addition receives e.g. possible future inability to pay or bankruptcy of the borrower, or uncertainty for the paying off of debtor-conditioned risks like concerning the height of future refluxes of capital (e.g. with dividends). Since the interest rate risks with the running time of the investment grow, the financial source for a longer running time will also require higher interest rate without risk, than with an only short term investment of funds. For a given time the different interest rates for different running times form the interest structure curve.

Goals of the investment of funds

An investment of funds can pursue the following goals:

• small risk: The investment of funds should be as safe as possible, i.e. the fluctuations in value and the probability of the loss of the assigned capital should be minimized.
• high net yield: The investment of funds should throw as high a yield as possible off within a certain period.
• high liquidity: The investment of funds should be able to become made money as fast as possible again (i.e. generally sold). (see also

These goals behave to each other competing, i.e. not all goals can be completely fulfilled. One speaks in this connection of the dilemma of the uneasy triangle of the investment of funds. Additionally also the fiscal situation moves increasing into the focus, i.e. the influence of the tax on the selected plant form with many investors. With private investors accordingly the net yield is decisive after taxes, since a capital income is free of income tax. Shares are subject for example to the half income procedure, while funds are taxable with under-year old sales to 100%.

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