Cent Capital

Wat is Beleggen (Investing)? Beleggen, of investing, is het proces waarbij je geld of kapitaal inzet met de verwachting in de toekomst financieel rendement te behalen. In essentie koop je iets, zoals aandelen, obligaties, vastgoed of andere activa, in de hoop dat de waarde ervan zal stijgen. Het is een belangrijk onderdeel van Personal Finance en kan een cruciale rol spelen bij het opbouwen van vermogen op de lange termijn. In Nederland is beleggen steeds populairder geworden, mede door de lage spaarrentes en de wens om meer uit het vermogen te halen. Echter, beleggen brengt ook risico's met zich mee. Het is belangrijk om je goed te informeren en een strategie te bepalen die past bij jouw financiële situatie en risicobereidheid. Waarom Beleggen? Er zijn verschillende redenen waarom mensen in Nederland ervoor kiezen om te beleggen: Vermogensgroei: Beleggen biedt de potentie om je vermogen sneller te laten groeien dan sparen. Inflatie: Beleggen kan helpen om de inflatie ...

What are Non-current (Fixed) Assets? Non-current assets, also known as fixed assets or 'Anläggningstillgångar' in Swedish, are a company's long-term investments that are not expected to be converted into cash within one year. These assets are crucial for a company's operations and long-term growth. They provide a foundation for generating revenue and represent a significant portion of a company's total assets, particularly for businesses in industries like manufacturing, transportation, and real estate in Sweden. Types of Non-current Assets Several types of assets fall under the category of non-current assets. Understanding these different types is essential for accurately assessing a company's financial position. Here are some common examples: Tangible Assets: These are physical assets that have a physical form. Examples include land, buildings, machinery, equipment, vehicles, and furniture. In Sweden, these assets are often subject to depreciation, ref...

What is a Registered Retirement Savings Plan (RRSP)? A Registered Retirement Savings Plan (RRSP) is a retirement savings plan that's registered with the Canadian government. It allows Canadians to save for retirement while receiving tax benefits. Contributions to an RRSP are tax-deductible, meaning you don't pay income tax on the amount you contribute in the year you contribute. The money within the RRSP grows tax-free, and you only pay taxes when you withdraw the money in retirement. It's a powerful tool for building a secure financial future. Key Features of an RRSP Tax Deductible Contributions: You can deduct your RRSP contributions from your taxable income, reducing the amount of income tax you pay. Tax-Sheltered Growth: The money within your RRSP grows tax-free. This means you don't pay taxes on any investment income, such as interest, dividends, or capital gains, as long as the money remains in the RRSP. Withdrawals Taxed as Income: When you withdraw ...

What is Sustainable Finance? Sustainable finance is the practice of integrating environmental, social, and governance (ESG) criteria into financial decisions. It's about directing investments towards projects and activities that contribute to a more sustainable and equitable future. This encompasses a wide range of financial activities, from lending and investment to insurance and asset management. The goal is to generate financial returns while also having a positive impact on the planet and its people. Key Pillars of Sustainable Finance Environmental: Addressing climate change, resource depletion, pollution, and biodiversity loss. This includes investments in renewable energy, energy efficiency, sustainable agriculture, and conservation efforts. Social: Promoting social justice, human rights, labor standards, and inclusive growth. This includes investments in affordable housing, education, healthcare, and community development. Governance: Ensuring ethical business p...

Understanding Major Banks / Universal Banks in Sweden In Sweden, like many developed economies, major banks, often referred to as universal banks, play a pivotal role in the financial system. These institutions offer a wide array of financial services, catering to individuals, businesses, and even governmental entities. Understanding their function and impact is crucial for navigating the Swedish financial landscape. What Defines a Major Bank? Major banks in Sweden are characterized by their significant market share, extensive branch networks (although increasingly digital), and a comprehensive suite of financial products. These products typically include: Retail banking services: Including Bank Accounts (Bankkonto) , loans, mortgages, and credit cards. Corporate banking services: Providing financial solutions for businesses of all sizes, such as lending, cash management, and trade finance. Investment banking services: Assisting companies with mergers and acquisitions, s...

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Introduction: Seeing the Patterns from the Inside By Shivam Singh, Founder & CEO of Cent Capital , Former Head of Go-to-Market Strategy, Generative AI at Amazon Web Services I remember a meeting in a glass-walled conference room, overlooking a sprawling corporate campus. I was sitting across from the CIO of a Fortune 500 industrial giant, a company that moves literal tons of steel and concrete around the world. We were there to talk about generative AI. The public conversation at the time was dominated by chatbots writing sonnets and AI generating fantastical images. But this CIO wasn't interested in poetry. He leaned forward and said, "I have 30 years of proprietary engineering data locked in PDFs and legacy systems. My competitors would kill for it. Your AI can't see it, I can't risk it leaking out, and my regulators will crucify me if it produces a single inaccurate safety specification. Forget the art. How do you solve that ?" That conversation crystall...