Introduction to Investment Funds – The CIVETS Nations

Throughout 2011 a great deal of focus within the financial world was dedicated to the Investment Fund potential for investors willing to look at the CIVETS nations. Extensive analysis and commentary was afforded to the growth and development of the economic landscape within Colombia, Indonesia, Vietnam, Egypt, Turkey and South Africa.

A host of investments have been launched over the past 12 months and the activity within these nations has continued to grow as bold investors look to target the world’s fastest growing economies.

The reasons for this heightened activity are varied.

For example, the CIVETS nations boast a collective population of circa 600 million representing some 8pc of the global population, a population which is characterised by being both young and ambitious. Therefore, the growing consumption of these nations means that market demand is strong for core commodities and this is further bolstered by population dynamics which appear fixed on growth in all aspects of life.

In this respect the CIVETS nations mirror many of the social and industrial qualities inherent in larger developing markets such as the BRIC economies – Brazil, Russia, India and China. In fact, in some instances, the growth rates of the CIVETS nations are now outstripping those of the established BRIC countries.

Another crucial feature is that, when looked at as a whole, the CIVETS nations don’t have the chronic debt problems that are currently being experienced in the developed world. This is a major positive feature for investors seeking both short and long-term returns.

Here we take a closer look at the key features of the CIVETS nations and their influence upon the Investment Fund potential. Please do remember that the value of investments can go down as well as up and you may get back less than you invested.


The current Government of Colombia has expended much time and effort stabilising the security situation throughout the country and developing the national infrastructure.

It has been very eager to increase trade and business activity throughout its industrial regions and has successfully reinvested portions of oil revenues to vastly improve the commercial and social environment.

An often unknown fact is that Colombia is the third largest exporter of oil to the USA and so has a very solid basis for development due to this constant revenue stream.

Apart from oil the country’s principal industries are coal, gold, textiles, food processing, clothing & footwear, beverages, chemicals and cement giving it a strong foothold in the core commodities markets in the US.

According to a report posted on the Guardian online its economy grew 4.3% in 2010, compared with 2.8% for the US which is of obvious attraction for the foreign investor. Only time will tell if this growth will continue and whether or not the relative political and social harmony can be maintained.


With an estimated population of 245.6 million, Indonesia is the fourth most populous country in the world. Almost half the economy is industrial.

The Indonesian government has also stated its desire to see Indonesia develop to become one of the world’s 10 largest economies by 2025. If this objective is successfully completed then early investment in Indonesian assets could provide strong returns.

Like other CIVETS nations Indonesia can be seen as a positive investment destination due to positive demographic features such as a young, ambitious population with growing levels of disposable income and so market demand is strong and strengthening. Its position as a manufacturing hub also helps a positive long-term outlook.

According to the Wall Street Journal some fund managers see exposure best achieved through local subsidiaries of multinationals due to the solidity of their existing structures.

As a result long-term outlook appears healthy for investors.


The low cost of labour and the further development of the manufacturing infrastructure means that Vietnam has grown in its attractiveness for foreign investors despite its economic problems over the last 5 years.

Its economy is 41% industrial and the World Bank is projecting 6% growth this year rising to 7.2% in 2013 – according to the Wall Street Journal Online – which is a good outlook.

The potential for lower taxes for fund management companies is also an interesting development in this particular market.

There are however lingering concerns regarding Vietnam’s uncertain outlook for interest rates and inflationary pressures, as well as the fact that the country continues to pursue a fast-growth policy. Standard & Poor downgraded Vietnam in 2011 amid warnings that the banking system was vulnerable to shocks and raised concerns about bad debts.


Egypt’s major assets include fast-growing ports on the Mediterranean and the Red Sea, joined by the Suez canal, that are seen as potentially important trade hubs to connect Europe and Africa, as well as vast untapped natural resources.

Egypt also benefits from strong trade and investment relations with the EU. In 2010 agriculture made up roughly 10% of the economy, industry 27% and services 64%.

Deals have also been signed by Egypt and China that will see the two nations collaborating on the production and distribution of automobiles across North Africa. This is positive news for Egyptian business and also indicates Chinese commitment to the North African marketplace.

Chinese automaker Zhejiang Geely Holding Group and Egyptian auto assembler GB Auto SAE expect to produce up to 30,000 cars a year a few years from now, and aim to increase that to 50,000 a year, a Geely source told the Wall Street Journal.

It should be remembered however that the prospects for continued and solid investment in Egypt are seriously marred by an unstable political situation however.


The Turkish economy has proved resilient to the global downturn and the Turkish government’s budgetary and public debt position is arguably significantly better than many countries in the eurozone.

The increasing influence of the private sector over recent years coupled with the greater levels of efficiency and resilience within the financial sector has had positive results. A more solid social security system has also helped to create a stable investment environment.

Turkey also has experience of recovering from economic difficulty as it did so successfully after its own banking crisis in 2001.

Turkey has also seemingly benefitted from the economic woes of neighbouring Greece. For example Turkish imports from Greece jumped nearly 40% and the number of Greek firms registered to do business in Turkey rose by 10.4% in 2011 according to Turkish news site Hurriyet Daily News.

This would seem to suggest that Turkey offers solid investment prospects. However, according to a Financial Times blog, Turkey’s “huge” current account deficit, now about 10% of gross domestic product is a concern but they also state that Turkey’s economic bottom line looks extremely healthy compared to its European neighbours. Its GDP grew 8.9% in 2011

South Africa:

South Africa is a country that exhibits qualities of both emerging and developed markets. Historically foreign investors have been attracted to South Africa’s rich and abundant natural resources, in particular gold. Foreign direct investment is also steadily increasing as the government encourages more international companies to establish themselves there. But it is the mining sector that remains dominant in South Africa due to the large reserve of natural resources and the stability of the mining infrastructure already in place.

The rising commodity prices are bolstered by renewed demand in its automotive and chemical industries, as well as the 2010 FIFA World CUP, have helped South Africa resume growth after it slipped into recession during the global economic downturn.

It is worth noting however that South Africa had the slowest growth of all the Civets last year and has suffered unemployment of 25%. World Economic Outlook from the International Monetary Fund noted: ‘A surge in unemployment, high household debt, low capacity utilisation, the slowdown in advanced economies, and substantial real exchange-rate appreciation are making for a hesitant recovery’.


It is clear that there is significant potential for investment fund growth throughout the CIVETS nations. The demographic make-up and industrial structures mean that there is a positive financial outlook for hungry investors.

However, optimism should be tempered for a number of reasons and some analysts are warning against rushing into some potentially unpredictable and unstable markets.

Political and social upheaval, as well as inefficient and ineffective standards of corporate governance, results in an uncertain economic environment and profound currency fluctuations. The CIVETS nations are currently well behind the recognised leading emerging markets of the BRIC countries and the shrewdest investors will only apportion a manageable amount of their investment portfolio to markets within the CIVETS nations.

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What Are the Key Benefits of Re-Shopping For Your Auto Insurance?

It is never wrong for anyone to consider re-shopping for their car insurance even if they are happy over their existing insurance policy and benefits. Consumers have all the rights to continue with their current insurer, or to get with any new insurer with better range of benefits and excellent customer service. We must be aware of the great benefits of re-shopping for by comparing the latest insurance quotes through the internet, we can easily tell if what we get from our current insurer is the best offer or otherwise.

During the old days, most drivers will follow what their family, friends, or business associates had when it comes to auto Insurance. They tend to stick with their first insurance company for the rest of their life. This is not loyalty from what I see, rather this is due to the hassle and cumbersome insurance process which is so time-consuming that most people prefer to stay with their current insurer although the new insurance company might be offering a vast amount of benefits over the current company.

Today, in the 21st century, smarts consumers ought to carry out their re-shopping for the optimum types of auto insurance at least every six months. With the advancement in technology and communication, it would not be any easier for one to shop around for the most profitable auto insurance at one’s fingertips. This helps to save at least 30% of the hassle and time compared to the old days.

It is a good thing that auto insurance shopping had become easier nowadays. It is unwise and not worth-while to hold on to your existing insurance policy, paying a lot more every year as compared to what the other company would offer for the same package. Myths of the old days may not be valid anymore today where regular customers have all the privilege to get the most competitive rates and discounts from their insurance company. Reality showed that in this competitive Industry, competitors will always try their best to offer the best comprehensive insurance coverage at the best possible cost as one of their market strategy to win their customers.

The more knowledge and information you gather from auto insurance re-shop, the more advantageous you will be at as keeping yourself abreast with the latest offer in the insurance market will help you in sourcing for the right insurance plan, and will inevitably increase your purchasing power at the same time.

Through re-shopping, you will be surprise at how often car insurance companies reward their loyal customers with handsome discounts which you had never enjoyed before despite having your vehicle insured with the same insurer for the last ten years. Remember that once you have become complacent on your current policy, your insurer tend to lose the urge to offer you any competitive deals. Thus always make sure you ask for discounts and the best deal you can get.

Last but not least, it had become essential to re-shop for your insurance today as the cost of auto insurance had dropped in recent years, and if you are holding on an old policy, it is very likely that you are paying way too much for your auto insurance. Shop around for new policies and replace them with better ones to take the most advantage out of it.

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How to Finance a Car With No Credit History?

It is not everybody’s desire to have a bad credit as nobody wishes to have it. People consider themselves unlucky to have poor credit rating or no credit history. This makes situations tough and prevents the individuals from getting loans. The situation could be tactfully handled to get approval for the loans. Lenders find it difficult to finance for a car with no credit rating. The proposals will be scrutinized in a detailed manner and the individual’s credit history and other information are scanned through. Borrowers do not have to worry much about getting loans for their dream cars. Here are some tips on how to find the funds to fulfill the dream.

Process of Kick Starting
Take a look at the credit history before shopping for the cars. A detailed analysis will help in knowing the true credit history and plans should be made according to the results. It is important to open a checking account if it has not been done already.

Down Payment
People with no credit are being treated very much like the ones having bad credit by the financial institutions. A larger down payment will reduce the risk involved in obtaining the loan and subsequently offer lower interest rates.

Skillful Research
A skillful research about the various lenders should be done. The knowledge on various benefits and restrictions must be gathered to finance a car with no credit history. Subprime lenders provide assistance to people with adverse credits. An online search will bring all the information to the table with just few clicks of the mouse.

Study the Terms and Conditions
The terms and conditions must be read carefully to understand the rules of the lenders and other finer details about the loan amount. The conditions must be scanned through properly in evaluating any hidden charges. It is better to decide about the affordable monthly package and then look for the loan amount with the lenders.

Pre-approved funds
It is important to have pre-approved funds on having a settlement with the lender. Online portals will help in saving time and money as the expenses involved are less. On getting the approval, one can happily shop like a cash buyer. This could even be done by an individual agent or any local dealers.

Think Refinance
Refinancing is a good option to finance a car with no credit score. If the borrowers find a less than ideal loan rate, refinancing the loan in a couple of years can do magic. The individuals can take the remaining time to build up a good credit history by making regular payments. This might even open the doorways to obtain a credit card by constantly building up a good credit history.

These are some of the basic and foremost tips to be remembered to finance a car with no credit history. The entire process might seem to be cumbersome but it is not the truth. It is easy to get a car loan with poor or no credit history and the borrowers must be willing to do some research in understanding the different lenders who can offer the tailor made solutions for them.

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How To Find The Right Small Business Coach For You

It can be very tricky knowing who to turn to when you are looking for a respected and trusted coach or mentor. In this article I will help you to decide upon the type of person whom you can work with to Increase your small business success. Here we will go over how to find The Right Small Business Coach For You.

WORTH KNOWING FIRSTLY: There are no right or wrong ideas when learning, it is more a fact that you are happy with the money you spend working with an expert. So you can gain a lot from every situation but, in this article it may help you to avoid costly mistakes when finding the best person to work with.

How to Find The Right Small Business Coach For You in 2015.

Why 2015? Well, when it comes to coaching there are time based principles that will always create more success but, in small business coaching things change all of the time and it is important to find someone who understands what is going on in your market and business niche area.

Every day there are changes in the small business world and especially the online business world so there is a strong need for a great online presence in small business, and this is so that people can find you easily and effectively.

When you think about it most people are online these days.

So, when looking for an effective small business coach it will help you to look for a person who really can work alongside you to master the areas that are most important and knows where you may need to outsource other areas.

Here are some hot tips on How to Find The Right Coach For You in 2015.


Simply, you need a person who will help you to reach your most fundamental goals and make 2015 your best year yet. They have to know what’s going on.

If you have had some mixed or bad results in the past with coaching, you may have been put off by looking for a small business coach but, don’t be. When it comes to your success, happiness and sales there are great professionals out there ready for you. You can find a great coach to work with as there is someone suited to your style of working.

When you are running your own small business and you require an expert to stand by you to help you oversee what your important tasks are, things will change for the better and move you with more momentum, and this is because this is the real key to building a sustainable small business.

At the end of the day, you are looking for results and increased productivity because all business that survives is built on sales.

A successful small business coach will help you to identify your core skills and passions and also to think of the end customer or consumer. This will create effective strategies and leverage that focuses on the end user which will make your business last throughout the up’s and down’s of a recession.

As long as your ethics are built on the customer being NO1 then you are likely to experience a more recession proof business that pays you regardless of the economy.


There is the opportunity to go for a company to help your small business or a personal small business coach and this is down to whatever you prefer. Obviously the personal touch means that you are going to have more of a connection and communication with that person, and this may help you to feel that you are moving faster and getting where you want to be.

I hope that you have enjoyed How to Find The Right Coach For You in 2015 and this has given you some great pointers when starting your journey of success.

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