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Everyone desires to save money for adversity needs; but time value of money explains that future value of money is always less than what you receive today considering the inflation factor. Therefore investment is always given privileged over saving.

Investing money is actually saving money in a better way with having utmost profit. That is why it is extremely important to go for formal investor's education program.

Investor's education programs teach how to protect purchasing power of money. It enables to take perfect investment decisions that match your specific needs and allow investing in particular investment product with confidence. An aware investor always looks for risk factor and anticipate situation before any damage occur.

An educated investor knows his rights and duties and is more likely to contact market intermediaries and regulators to be up to date with the current situation of the market and economy. Financial and investment literacy program assists in assets planning project, saving taxes, minimize tax returns, increase tax benefits and relief, tax exemption, diverse investment portfolio, plan in accordance of your investment needs, insurance needs, future financial needs, business planning, business succession, planning and assets protection.

Right place and right time investment facilitate market development and growth. Financial and investment literacy programs are quite a lot beneficial for the emerging market economies.

To map out financial goals and meet financial targets, grasp your long term and short term income; know what kind of investment fulfils your goals all needs to learn various investment vehicles which definitely require to educate yourself as an investor and make the most of capital you possess.

Article by: ISMAR FINANCIAL

Pakistan Mercantile Exchange (previously known as National Commodity Exchange Limited) is Pakistan 1st and only accepted platform for Futures Trading bylaw technology traverse, web-based, demutualization commodity exchange. PMEX is licensed and regulated by the Securities and Exchange Commission of Pakistan and includes 100 percent Institutional shareholding.

Pakistan Mercantile Exchange Limited begins its operations in May 2007 as a totally electronic exchange on a national scale. PMEX is dedicated to offer a world-class commodity futures trading platform for traders to trade in an exceedingly wide range of commodity derivatives, driven by finest international practices, professionalism and transparency.

Pakistan Mercantile Exchange's shareholders are National Bank of Pakistan holding 9 Million shares (47.4%), Karachi Stock Exchange with 3.64 Million shares (19.2%), Lahore Stock Exchange with 2.27 Million shares (11.9%), Islamabad Stock Exchange with 2.27% shares (11.9%), Pak Kuwait Investment Company (Pvt.) Ltd with 0.91 Million shares (4.8%), and Zarai Taraqiati Bank Limited also holds 0.91 Million shares (4.8%).

Pakistan Mercantile Exchange Limited has six commodities for trading namely Gold, Silver, Crude Oil, Rice, Sugar, and Palm Olein and different contracts in Gold, Silver, Crude Oil, Rice, Sugar, Palm Olein, Wheat, and Kibor. So as to counter the requirements of various market investors, PMEX offers diversified contracts in every commodity in terms of lot volume and tenor. Market participants have 2 ways of trading. First they can directly access to the market and second they can place orders through brokers.

Over the last several years PMEX has established a strong track in running and offering international commodities in Pakistani market particularly in gold, silver and crude oil. For the period of 2010-2011, the traded volumes expand to Rs. 490 Billion from Rs. 63 Billion from the preceding year (671 % growth) gaining 245 new investors as twenty new brokers started their company and added in new customers. This shows that PMEX is gaining the credibility from investors.

During 2011 a descending trend in commodity value was seen regionally and internationally. Commodities reported 1st yearly drop ever since 2008, by decrease in cotton, copper and cocoa. Bumper crops conjugate with low demand. Silver and Cotton prices decreased to 10 % and 41.3 %. However, even though the solid decline in value of the commodities, Food Price Index (FFPI) reported 42 points up in 2011 from 2010 (increased by 23 %). Gold the noticeable performer hits the highest point US $ 1,900 per troy ounce when investors quickly invest in gold which is taken as a secure investment in era of economic insecurity. Metal and Oil prices increased to 10 % and 8 %. PMEX surpass the collective volumes of the Stock Exchanges. A record of trading volume of Rs.68 billon as compared to stock exchange's monthly trading volume of Rs.66 billion was reported. PMEX commodity index declined to 4.21 in 2011 that relies on 6 commodities; Gold, Silver, Crude Oil, Rice, Sugar and Palm Olein.

Recently in 2012 PMEX proclaim the listing of the gold 10 Ounces Futures Contract to provide more levels for the active traders. Announcement on the beginning of trading with Sugar Futures Contract also initiate great pace in the local commodities portfolio of Pakistan. According to the MD of Pakistan Mercantile Exchange, "over the next five years PMEX will focus on developing domestic agricultural markets".

Article by: ISMAR FINANCIAL

Some times individuals puzzle asset management or money management with the wealth management. However wealth management has terribly wide space.

Wealth management programs are crafted for professionals for creating the intimately clench of entire know-how. Wealth management experience and growth of skills for sensible interactions with the client are a few things that are highly needed and desire a helpful approach. Wealth Management could be a highly booming section for the market place

In this globalizes era Middle East countries have huge wealth management want.

In the annual survey done by Cap Gemini, SA and Merrill Lynch it had been establish that position of millionaires grew 6% within the previous year, as a result of the quantity of richer individuals grew in India & China where India is competing China. India & China posted the most important gain in millionaires advancing by 23% and 20% in that order.

These changing patterns of increase within the numerous asset categories replicate terribly totally different states of play within the method of monetary intermediation in numerous components of the globe.

Regions with the a lot of highly developed money markets - the US, the United Kingdom and also the Euro-zone - have the littlest share of bank deposits and also the largest share of equities and personal debt securities as asset categories, the reverse of key developing countries.

So we will perceive that there are a lot of opportunities within the wealth management business within the world particularly in rising economies.

ISMAR FINANCIAL