Lifestyle | Your Money

January 20, 2013

Three Investment Options: How To Make Money Grow in 2013

You have savings? You want to invest a portion of the salary increase that you will end January with the payment of the PRB? But how to best monetize your investment? Three experts deliver their advice.

Real estate

Why invest? Rental property is big business these days. As explained Savreemootoo Laval, president of the Association of Real Estate in Mauritius, "there is a strong demand for rental housing especially for locations. So if someone has a large budget, he can buy an apartment or a house in residential areas in the city center or coastal areas and the monthly rent. "

You should know that renting a luxury apartment rises to Rs 35,000 per month. Another option is to rent a house to a company if it is located in the city center. This is a trend that is gaining momentum because it allows the company to use the court as parking. "For people who have lower incomes, are advised to purchase land which they can then resell years later," recommends Savreemootoo Laval.

How? For the purchase of land or property, you can use a real estate agent or simply view the listings in newspapers.

How much to invest? It takes Rs 1.5 million for the purchase of land between Rs 2.5 million and Rs 3.5 million for an apartment between Rs 3,000,000 and Rs 5,000,000 for a house. Benefits. Real estate is a safe investment. On the other hand, indicates Savreemootoo Laval, unlike a car loses its value every year, real estate sees rise in value over the years.

Risks. Should be careful when you buy land because it can already be prescribed. And secondly, the area of land on paper may not correspond to reality. "However, it is the job of the notary to inform the buyer," reassures Savreemootoo Laval. Must also choose its tenants not to be left without the amount of the monthly rent.

Return on investment. Investing in real estate will yield benefits in the medium or long term. Besides the fact that the investor may receive a monthly rental, it may also decide to sell the land a few years later, more than three times its initial value.

Good to know. If this is the first time someone buys a property, he did not have to pay registration fees. Those who have already purchased a land or property must pay a registration fee of 5%. While the notary's fees are an average of 2%. If a property is sold within five years, the seller must pay 10% for the 'Land Transfer Tax ". After five years, the 'Land Transfer Tax down to 5%.

Stock Market

More profitable than bank deposits

Why invest? Imrith Ramtohul 'Senior Investment Consultant, Aon Hewitt Ltd, straight to the point. "This is a good time to invest in stocks. Since the crisis in 2012, the stock price had fallen well, but they begin to climb in recent weeks, "he says. Ameet Luchmun Roy, Fund Manager at AAMIL Portfolio Management Ltd., also note at the beginning of the year, a recovery in hotel values, banking and insurance ones.

"There is a significant improvement since the beginning of the year. It would be interesting to invest in these actions, "he says. On the other hand, continues Imrith Ramtohul, the expected growth rate this year will be better than 2012. "This indicates that listed companies could do better," he advance.

How? Simply open an account with a stockbroker (Stockbroker). You should know that on each amount you invest, the total expenses of 1.25% maximum will apply. This percentage includes the cost of the 'Stockbroker', the Financial Services Commission - the regulatory body - or the Central Depository System - affiliate of the Stock Exchange of Mauritius which records all transactions on the stock exchange. "The investor will receive a monthly statement of transactions of its Central Depository System," says Imrith Ramtohul.

How much to invest? For Imrith Ramtohul, there is no limit. "A person can even buy a stock," he says. AAMIL in Portfolio Management Ltd., the investor has two options. "It may invest a lump sum (Lump Sum) of Rs 10,000 minimum or invest a minimum of Rs 1000 per month or Rs 5000 each quarter," said Ameet Luchmun Roy.

Benefits. Dividends and capital gains (capital gains) are not taxable. On the other hand, emphasizes Imrith Ramtohul, the stock market is a way to participate indirectly in companies. "If these companies are doing well, their shares will rise," he is out.

Risk. In these times, the stock market remains volatile. "The prices may fall as was the case in 2012 and since the crisis. On the other hand, the Mauritian stock market is less liquid than in Europe or the United States. In other words, if you want to sell shares, there should be buyers, "says Imrith Ramtohul.

Return on investment. "Return on investment varies from 0% to 10%. Everything depends on the market trends, performance securities, government policy and monetary policy. For example, if interest rates fall, it is better to invest in stocks whose performance is much more interesting than bank deposits, "says Ameet Luchmun Roy. Performance of certain securities may be more consistent.

Moreover, the Stock Exchange of Mauritius Index Total Return (SEMTRI), which recognizes the returns on capital gains and dividend payments, recorded an annual return of about 18% over the period 1989-2012. "This is higher than the rate of inflation. Actions are, in fact, tend to give higher returns than inflation over the long term. It should be remembered that the past is not necessarily indicative of the future. Therefore, investors should make a proper research and consult their financial advisers if necessary, "recommends Imrith Ramtohul.

Council. "Ideally, it is to invest in stocks that have a" selling price ratio "and" dividend yield "attractive," advises Imrith Ramtohul. However, he said that it is very risky to invest in the short term. It is therefore preferable to opt for a medium-term investment or for three years or more.

Did you know? Mauritians can also buy foreign stocks by using the Stockbrokers who offer this service in Mauritius or buying them directly on the Internet. Those who choose the second option must arrange with their bank for money transfers happen quickly. At that dividends and capital gains may be taxable in certain foreign countries.


Des rendements intéressants

Why invest? "This is a way to diversify his money. On the other hand, gold is a safe haven. Thus, if the dollar falls, gold will rise, "said Imrith Ramtohul.


How There are many ways to invest in gold by buying gold bars directly with the Bank of Mauritius, either through investment funds or by investing in companies which produce gold. The other option is to go through Exchange Traded Funds where we can invest in gold as easily as buying shares.

How much to invest? For the Bank of Mauritius, we propose three types of gold bars, or 10 grams, which were sold at Rs 17 590 Thursday, 50 gram (Rs 87,120) and 100 grams (Rs 174,095 ). Prices fluctuate daily depending on the evolution of gold on the international market. Payment can be made in cash, by transfer (FCAHS Transfer), by check, debit card or credit or foreign exchange. The buyer gets a certificate of authenticity with every purchase and may receive a 2% discount for any purchase in cash and FCAHS Transfer. The Bank of Mauritius also offers a "buy-back option" that allows investment to remain liquid at all times. However, buying gold has costs other than the purchase itself.

Benefits. "Historically, gold has not changed in correlation with other financial assets. Therefore, it is good for diversification. It is also seen as a hedge against inflation, "says Imrith Ramtohul.

The risks. Gold price is highly volatile.

Return on investment. In 2012, the return on gold was 6% in dollar terms. The price of gold has risen for 12 consecutive years in terms of dollars.

Council. It is advisable to invest some of your money in gold and that in the medium term.



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