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From Our Blog

What Is A Free Market?

Free Market

A free market can be defined as a market where buyers and sellers are the deciding factors who eventually run the market. As buyers and sellers take control, the elements of supply and demand play a significant role in pushing the market forward. Governments usually do not have a say in this market as they might be unaffected by their policies and regulations. So to completely understand what a free market is, let us discuss its main characteristics.

Supply

Any individual can enter a free market and begin a venture of their choice. This individual is also held accountable for bringing in supplies and providing services for the market. Hence this gives them power over their products without being responsible to anyone.

Demand

Demand

The concept of demand holds ground in a free market like any other market. Here customers again have the liberty in choosing their products, thereby creating a sense of competition between firms operating in a free market. Competition can be useful and at times, can also be harmful. The beneficial factors are that it enhances productivity and quality, but the adverse elements are that it can eventually make a firm run out of business. In a free market where few firms operate, this may seem to be a huge problem.

Lack of Protection

One of the main reasons why free markets tend to go underground is that their goods and services do not seek regulation under any circumstances, which is also one of the reasons why these resources tend to be depleted from time to time. This can possess a massive risk for the survival of these markets and also is an incentive for these markets to begin dealing with illegal goods and services.

Production

The factors and the level of production in a free market are different and varied when compared to all the other markets. Here it is the forces of supply and demand which decide the levels of output for a product. Hence if the need arises, then there will be production.

The Role of Financial Institutions

 
The survival of the free market at times depends upon the types of funds available at their disposal. Since business organizations require capital to commence and function, so do firms in a free market economy. Hence they tend to borrow this financial resource from institutions that provide them. This also further benefits these institutions as they move further based on the rates of interest.

Scope for Entrepreneurship

Since individuals have the power to decide and control the market, they have a scope for being budding entrepreneurs. These entrepreneurs go through a set of risks and measurements in their business, modeling them into capable individuals.

 

Understanding Market Risks Before Investing in Mutual Funds

Mutual Funds

Mutual funds are a bright investment plan for you to earn returns. But the only way one makes returns is when he/she surpasses all the risks involved in the market. Some may benefit, and some may hit the road of risks with a bag full of losses. Hence understanding these risks is necessary. So read about them below before you begin investing.

Interest Rate Risks

Interest rate risks are risks responsible for forming the unpredictable factor of the rates on returns. These rates are unique for particular markets but are visible in all markets. This is one of the main risks an investor should consider keeping in mind the amount of investment as they are closely related.

Liquidity Risk

Liquidity Risk

This refers to the inability of an investor in redeeming their investment without incurring a set of losses which hinders down the actual amount of investment. This type of risk is visible in mutual funds concerning the lock-in period.

Credit Risk

This kind of risk occurs when the issuer is unable to meet ends when they fail to pay the promised amount of interest. Although this can be avoided by checking the ranking list, uncertain factors rise during any situation.

Exchange Rates

A country’s economic and political situations play a considerable role, as they tend to influence the exchange rates. Since companies are widely exposed to interest rates, it affects the volatility of a company’s exchange rates in their race to achieve profitability.

Management Risk

Before making any investment, one should always consider the management they are approaching, especially when it comes to mutual funds. The fund management team might have the experience, but that does not mean they are risk-free.

Market Risk

Market Risk

These risks refer to the factors prevalent in the market, which may result in losses for any investor. If there is a huge let down by the market, then that could effectively affect the rates of all bonds, schemes functioning in the same market. Few reasonable examples are natural disasters, political factors, fluctuation in interest rates, etc.

Investment Objective

Investors have a clear cut idea at the back of their heads about the type of returns they require and would invest accordingly. But their analysis might fail at times as markets tend not to perform accordingly. Their investment portfolio might suit another market, whereas their amount might have been invested in a different market.

Tax Implications

There are various tax implications associated with most schemes depending upon a few factors. Individual investors have the habit of going forward with their investment plan without being aware of its tax implications, which further causes numerous problems. Avoiding tax is a considerable offense according to the law of many countries which can even be processed up to a jail term.

 

Advantages of a Free Market

Free Market

Criticisms and applause go hand in hand for a free market. Certain people believe it is a kind of market which sells illegal goods and services whereas others believe it is a market which promotes entrepreneurship and creativity. Regardless of word of mouth, it is a common phenomenon that the free market has a set of benefits which encourages the betterment of the market. So let’s understand some of the advantages of the open market.

Absence of Regulations and Policies

Any single firm or organization do not control a free market, instead, it is controlled by the forces of demand and supply. This leaves the open market at an advantageous corner as it does not have to abide by the policies and need not spend on tax regulations as such. Instead, this money can be put in for the development of the business, thereby achieving more growth and stability in all its future endeavors.

Customer is King

Since the forces of demand and supply control the market, the customers tend to decide these forces. If a customer does not want a product of inadequate quality, he/she will not demand it, and eventually, the product will go out of service, because if there is no demand, then that reduces supply and that later on brings down production. Leaving the matter of choice in the hands of the customer is an ideal method as firms try to win their satisfaction. This satisfaction also includes a price which the consumer seems to be comfortable with, and hence at the end, the customer always benefits.

Innovation and Creativity

 
As individuals put together to run the market, they face a sense of competition. As these firms need not abide by rules to face this competition, they are left by themselves to be innovative and creative as it hinders their survival. If these individuals lack the required skills to stay put, then they eventually run out of business. Such drastic situations lead to the creation of untimely decisions which might or might not benefit the company. Hence this pushes them forward towards the path they must undertake.

Appropriate Allocation and Utilisation of Resources

Consumers ‘won’t pay for everything and anything. Hence this leads to the optimum utilization of resources as they are distributed in a better manner. Producers and manufacturers tend to maintain the output depending upon the needs of the consumers and not otherwise. As only a particular set of resources are required for manufacturing, this leads to the prevention of scarce resources. In a world where numerous resources are depleting from time to time, conservation and prevention is critical for their survival and growth.

How Volatile is the Real Estate Market?

Estate Market?

 

The real estate or the housing market is extremely uncertain, a common phenomenon for most markets out there. This unpredictability arises due to various factors and principles revolving around the market. These factors have played a key role in changing people’s minds, especially when it comes to property investments. So let’s understand these people have backed out.

The Movements

The property market and its prices depend on the number of players in the market, and the movements of these players cause swift changes and advancements to the market. For example, when residents decide to buy or sell properties, transactions take place. This transaction is different when compared to an individual purchasing a house because residents have to first sell to make the payment for the new purchase, thereby causing a considerable amount of time and money. Since the property market tends to contain such players, it remains and maintains a certain level of volatility.

Risks

The real estate sector, like any other market, consists of several risks and unfortunate solutions. These risks are also associated with numerous external factors relating to different industries, like the finance industry. The real estate market is so volatile that it enhances and expands that relationship to the finance industry bringing it closer to volatility. Preventing these risks is necessary for any investor hoping for returns, especially for sectors intimately involved in carrying the smooth functioning of the real estate industry.

Risks

Hidden Costs

The housing sector includes several hidden costs which help maintain its volatility ratio. These costs can be classified as additional expenses that come with the house, such as maintenance, taxes, renovations, etc. These expenses vary depending upon the size and structure of your plot or residence.

Highly preferred

When compared to the rest of the markets, the property markets stands tall as most investors relatively prefer it. The real estate industry is a type of industry which everyone wants a hand in until they realize and understand the industry. When an investor earns his/her share of returns from the stock market, they would further seek potential markets through which they can double their investments. Hence they come knocking to real estate. New players potentially decide prices to a minimum extent.

Investor Reactions

Another reason these markets retain their volatility is that investors don’t take the required decisions at the right time, considering the risks involved. Only a few investors out there understand and analyze the market before going in further. Such experienced investors know how to perform and invest in a volatile market. Unfortunately, there are only a few investors like these in the property market.