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The following article was published in our article directory on February 29, 2012.
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What is an Optimal Rate of Return

Article Category: Business

Author Name: chickie maxwell

If you are a beginner in the world of investments, one of the critical things that you would need to know about is rate of return. This is the percentage of the money you gain, or unfortunately, lose in an investment you placed over a definite period of time. But how does one know what the optimal rate of return is on investments? Is there such an index that one can refer to so that you get to at least know the forecast of your future earnings?

Risk

Determining a good return for your investments involves having to determine which risk classification the investments you have in your basket fall under and then knowing what the usual returns are for that group. The first category that you need to look at is what level of risk this investment of yours subjects you. You can determine the risk by calculating your investments' standard deviation in terms of daily returns. Or, a second method of determining risk is by comparing its upside, which is potential of gains, versus its downside, which is potential loss. Once the risk is determined, find established indexes that are equivalent to your portfolio's risk. You can then use those indexes to determine if the rate of return you have is acceptable. The most risk-free type of investments is treasury bonds as these monies are backed up by an established governing body. The only way you could possibly lose here is that if the country goes through civil war and declares bankruptcy, which is a very unlikely event.

Inflation

The second thing that you have to take a close note of in computing for the optimal return on your investments is the inflation rate. Inflation determines the overall increase of services and commodities for a certain period. This essentially dictates, as an example, what your $100 bill can buy. And inflation proves that the 20 dollars that you had back in 1998 cannot buy the same goods in the current year. Inflation eats away at the purchasing power of your dollar. Based on historical data, inflation rate yearly fluctuates from 3% to 5% in North America. In looking at your optimal returns percentage, inflation rate needs to be cushioned as well to make sure that this fall in purchasing power is covered in your return rates.

One option that offers a very enticing rate of return is through Prosper. This particular company offers what is called a peer-to-peer lending scheme. It connects people with money to loan and invest to those who need and have the capability to pay. Through this lending structure, the middleman is eliminated, which works well for both lending investors and borrowers. To know more about this product and its rate of return, you can call Prosper from Monday to Friday, 9am to 9pm ET.

Keywords: rate of return

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