Lately, it is a little bit confusing for us to make an investment. Whenever economic still in unstable situation, and then stock market still can't predict clearly. For a few person like me, who didn't want to take a high risk in investment, I'd rather to put it in gold as investment.

We can find many varieties investment in gold. Investment in gold can be done directly through bullion or coin ownership, or indirectly through gold exchange-traded funds, certificates, accounts, spread betting, derivatives or shares. Just take any of your preference in investment on gold

Investors generally buy gold as a hedge or safe haven against any economic, political, social or currency-based crises. These crises include investment market declines, currency failure, inflation, war and social unrest. Investors also buy gold during times of a bull market in an attempt to gain financially. It doesn't mean gold price will always stable, it is driven by supply and demand too.

But many of investor believe that gold prices will continue to rise and thus that they can gain financially, and/or as a hedge or a perceived safe haven against any economic, political, social or currency-based crises. Of course prices can fall as well as rise, so investors must make a best guess on what the future holds. So just take your choices

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The spreading global recession has caused many investors to stay away from the markets. Many investor feel worry about volatile markets, in this situation , convertible bonds could be a viable instrument.

Convertible bons re a hybrid security with debt and equity-like feature. Like a normal bonds, convertible bonds pays coupon to their holder and there is option for holder to convert the debt into equity of the issuing corporation.

Why invest in convertible bonds
Investor can participate on appreciation of the company stock's price. If the share rise above the predetermined price, investor can convert the bond into share to take profits. If the shares drop below the conversion price, investor can wait until mature and pay out the par value. Meanwhile the investors continue to receive regular income from coupon payments. As such, convertible bonds can be considered a defensive way to invest in equities

Convertible bonds are less risky than stocks of the same companies because they ranked senior in company's capital structure. They have financial claims on the company's assets prior to stockholders if the company goes under. In addition, the interest is paid before any stock dividend. Convertible bond holders can at least get interest income even if the company's earning decline and can not afford to pay any dividend

on the other hand, they are regarded as riskier than conventional bonds since a decline in the share prices of the issuer can negatively affect their value. Their claims on assets during liquidation also come after conventional bond holders have gotten thier money back

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We are not life alone, there are spouse, kids or parents beside us, as your dependent. Do you have financial plan for them? When parent have retired and not have enough income to meet their need, as their kid we have a responsibility to help them. And it will be the same if you have kids, they need your full financial support for growing.

Just think, you can not always afford your dependent need. Such as when your parent have not a good condition, have critical illness and need hospitalized. Or maybe you have the worst scenario you died before your kids can support their own. So what you must do for them?

You need insurance coverage.
You need to prepare insurance plan which cover hospital bills, critical illness, total permanent disability, or death as well as income replacement plans which provide regular stream of income if the victim is unable to work.
they are must have in our financial plans' as they will ensure a sum of money is given out to meet the medical cost or simply to ensure the victim's dependent have some financial cushion to fall back on

if you have insurance, make sure that it will be sufficient for your dependent. Check out carefully your expense and inflation rate that you will face time to time. Make sure that the coverage you put in your insurance can match your objective now. Think about sum of money that your dependent will get, and suppose when it will be last. If your spouse not work anymore, you must think can she get a job with in her field right now since she have no updated experience. Must you prepare cost to train her so she can get a job.

Here is some insurance type that you can prepare for your dependent
1. Term life insurance - pays a lump sum on the death of the insured, or if the life insured is diagnosed with a terminal illness and has usually less than 12 months to live.
2. Income protection insurance - replaces your income if you are unable to work due to sickness or injury. It provides a monthly payment of usually up to 75% of your pre-tax income
3. Trauma insurance - pays you a lump sum on the diagnosis of a specified non-pre-existing illness or injury, generally including heart attack, stroke, cancer,
and paraplegia.
4. Total & permanent disablement insurance - pays a lump sum if you are totally incapacitated because of a sickness or injury and unable to work.

Typically, insurance policies which combined investments and insurance are not the best way to achieve our financial objectives, because aiming to achieve both investment return and insurance coverage with one product mean one of the two objective is not being fully met. Make sure you have the right insurance policies as you need,

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