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1、Situation 7 Financing,Task 2 Investment,Task 2 Investment, Objectives 1. Grasp the definition of investment; 2. Grasp four types of investment; 3. Understand the investment strategies.,Task 2 Investment,I Pre-reading Pair work: Discuss the following questions with your partner. 1. Have you ever wond
2、ered how the rich got their wealth and then kept it growing? 2. Do you dream of retiring early (or of being able to retire at all) with a great fortune? 3. Do you know what you should invest, and where to start? 4. How do you understand investment options? 5. Do you want your investments to grow in
3、value so that you can receive a large payout when you sell them at some future date?,Task 2 Investment,II Case study of the task Are You Investing Your Life? In your daily life, usually you may buy a house for future use; deposit your money in bank; pay your debt; hold some shares of the company whi
4、ch you are working for; start up your own business; rent a apartment to live in; or buy a luxury car for you and your family; pay the telephone bill; send some money to your parents; buy dividend-insurance for your son or build or contribute your technology to your friends new company as a sharehold
5、er. Are all these activities investment? Questions : 1. Which are investment activities? 2. Which are not investment activities? 3. How to tell investment activities or non- investment activities?,Task 2 Investment,III Text Investment What Is Investment? Investment is a term frequently used in the f
6、ields of economics, business management and finance. It can mean savings alone, or savings made through delayed consumption. Investment can be divided into different types according to various theories and principles. When an asset is bought or a given amount of money is invested in the bank, there
7、is anticipation that some return will be received from the investment in the future. There are a number of definitions of investment. While dealing with the various options of investment, the defining terms of investment need to be kept in mind.,Task 2 Investment,According to economic theories, inve
8、stment is defined as the per-unit production of goods, which have not been consumed, but will however, be used for the purpose of future production. Examples of this type of investments are tangible goods like construction of a factory or bridge and intangible goods like 6 months of on-the-job train
9、ing. In terms of national production and income, Gross Domestic Product (GDP) has an essential constituent, known as gross investment.,Task 2 Investment,Investment in Terms of Business Management: According to business management theories, investment refers to tangible assets like machinery and equi
10、pments and buildings and intangible assets like copyrights or patents and goodwill. The decision for investment is also known as capital budgeting decision, which is regarded as one of the key decisions.,Task 2 Investment,Investment in Terms of Finance: In finance, investment refers to the purchasin
11、g of securities or other financial assets from the capital market. It also means buying money market or real properties with high market liquidity. Some examples are gold, silver, real properties, and precious items. Financial investments are in stocks, bonds, and other types of security investments
12、. Indirect financial investments can also be done with the help of mediators or third parties, such as pension funds, mutual funds, commercial banks, and insurance companies.,Task 2 Investment,1. Personal Finance: According to personal finance theories, an investment is the implementation of money f
13、or buying shares, mutual funds or assets with capital risk. 2. Real Estate: According to real estate theories, investment is referred to as money utilized for buying property for the purpose of ownership or leasing. This also involves capital risk.,Task 2 Investment,3. Commercial Real Estate: Commer
14、cial real estate involves a real estate investment in properties for commercial purposes such as renting. 4. Residential Real Estate: This is the most basic type of real estate investment, which involves buying houses as real estate properties.,Task 2 Investment,Types of Investment There are many di
15、fferent types of investment. Broadly speaking, they fit into four asset classes: Short term deposits Bonds Property Shares Within each asset class there are investments to suit different kinds of risk, duration, returns and liquidity. There are also different ways of investing. The following are the
16、 brief description of each type of investment here.,Task 2 Investment,1. Short Term Deposits a. Bank Savings Accounts The simplest kind of short term (or cash) investment is a savings account. Returns are low compared to other investments, but returns are guaranteed by the bank - so your investment wont drop in value in the short term like others might. You can withdraw part or all of your money whenever you want (total liquidity). This makes them ideal for short term savin
