Finance forum: Financial products 42 articles - 53.017 readings

In the financial market it’s possible to invest in a wide variety of financial products. A main distinction is made between stocks and bonds. Stocks allow investers to participate in a company through shareholdings. Issuing shares allows a company to raise capital. Bonds, on the other hand, are debt instruments that are issued on the market by some commercial enterprises or governments in order to collect resources. There are other very different financial products that differ on the basis of many criteria: the lender, the place of negotiation, the composition, the return and the risk, the markets of origin, the goods sector, maturities, etc. Follow me

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Positive outlook for dividends in 2025

Financial products

On average, dividend-paying companies have experienced lower growth than others. Nonetheless, some experts say that in the coming months those same stocks could become more prominent again in some investment strategies. Historically high market prices Large portions of the stock market are at a very high price level, in many cases record highs. Meanwhile, newly issued bonds have to contend with falling interest rates compared to previous months. As Jasmine Li writes in the Wall Street Journal ...

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Convertible bonds as an alternative

Financial products

A manager explains his reasons for identifying convertible bonds as an investment strategy that can cope with potential market challenges. The stock market's seemingly limitless growth The last two years have been characterised by market growth that has resulted in many indices breaking historical records. This growth has continued into this electionally important year, which saw the victory of Donald Trump in the US elections. Nevertheless, some experts, such as Beat Thoma, CIO of Fisch A ...

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All the advantages (and some shortcomings) of certificates

Financial products

Certificates are complex products used by professionals often for the purpose of diversifying their portfolio investments. Here are some pros and cons of these financial instruments. What are certificates? During an interview with ‘Financialounge’, Costanza Mannocchi, Head of Exchange Traded Products Italy at Societe Generale, explained the diversification role that certificates (or ‘certificates’) can play. These are financial products that - explains Mannocchi - &lsqu ...

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Advantages and disadvantages of a planned investment in a fund

Financial products

An investment plan (which is often a savings plan in a fund) consists of planning an investment over time. In other words, one decides to regularly (typically every month) pay in a certain amount into a financial product. Deposits can have very different durations, even lasting for many years. Avoiding market timing errors and emotional choices One of the advantages that is almost always recognised in these planned investments is the minimisation of market timing errors: instead of waiting for ...

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Perpetual bonds: what are they, how do they work?

Financial products

There is, at least in theory, a rather special type of bond, as it has no maturity date and distributes coupons virtually forever: these are perpetual bonds. But what are they and how do they work? What are perpetual bonds? Perpetual bonds are bonds that do not have a maturity date. This means that, on the one hand, they distribute coupons virtually forever and, on the other hand, put the issuer in the position of never having to repay the borrowed money again.   Niche financial ins ...

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The Resilience of Additional Tier 1 Contingent Capital Market in 2023 and outlook for 2024

Financial products

2023 proved to be an eventful year for the Additional Tier 1 (AT1) Contingent Convertibles (CoCo) market, with one of the most significant occurrences being the full write-down of Credit Suisse’s AT1s. The forced takeover of Credit Suisse by UBS sent shockwaves through the banking sector and had a profound impact on the AT1 CoCo market.

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Investing in Swiss dividends and beating market indices

Financial products

Many investors like dividend-paying stocks because they guarantee a steady cash flow in the portfolio. Their performance can also be better than some other stock market indices, as the example of a Swiss investment fund shows. The performance of a fund investing in Swiss dividend-paying companies The portal "Das Investment" (the article is signed by Sven Stoll) dedicated an article to Z-Capital Swiss Dividend, a fund investing in Swiss companies that pay dividends. As we read in &quo ...

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Investing in funds: better your own bank, an asset manager or an ETF provider?

Financial products

Many investors face a choice between a variety of financial products, such as an investment fund. This choice also involves deciding whether it is better to use a bank, an asset manager or an ETF provider. ETFs also beat financial products that are labelled as 'higher-risk' These are often funds or financial products that are labelled as risky and yield-oriented. In reality, it is not uncommon for them to underperform index funds - ETFs that track a market index. So write Charlott ...

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