Research on Financial Derivatives: Ebele Kemery

Financial derivatives are valuable tools that counterbalance the risk factor associated with any form of monetary transaction between two parties. Pension plans and mutual funds constitute as two of the most common examples of financial derivatives in present times.

A brief research on derivatives by Ebele Kemery (a portfolio manager associated with JPMorgan Asset Management) has revealed that these financial instruments are quite similar to electricity which if utilized in the correct manner, can benefit us tremendously but if abused, can cost us heavily.
Financial derivatives cannot be considered as completely unsuitable for all as they promise favorable monetary returns only if you can successfully manage the risk factors associated with the same.


Let us conduct a brief research on derivatives to study its inherent aspects closely:

Chief Role of Financial Derivatives & its types

Derivatives can be referred to a pre-determined contractual settlement between two or more parties concerning their respective financial assets or property. While entering into a formal arrangement of financial product derivatives, the interest rate and mode of repayment are fixed through mutual harmony. Here, the exact amount to be re-paid keeps fluctuating depending on the movement of foreign currency rates. Forwards, options, swaps & futures are 4 main types of financial derivatives.

Let us explore them further:
1) Forwards - They are non-standardized contracts between concerned parties whereby the financial imbursement is carried-out at anytime in the future at an encoded price.

2) Options - Options are financial tools in the form of ‘calls’ or ‘puts’, wherein the buyer of a ‘call’ option is entitled to purchase a part of the primary asset at a certain price in the near future & the buyer of a ‘put’ option is entitled to sell the asset at certain price on or before a certain date in the future without any obligation whatsoever.

3) Swaps - These are formal agreements between two parties in which they concur to exchange finances in the form of cash flows on or before a certain date in the near future.

4) Futures - Futures are very similar to ‘Forwards’ with the only difference being that these are standardized contracts created on-paper by a clearing house and not merely agreed upon by the parties involved.


Basic Misconception about Financial Derivatives

After conducting an in-depth research on derivatives, it has been realized that most people believe this to be a modern concept associated with financial/property transactions. The truth of the matter remains that this theory has existed in human society for many centuries especially with agricultural transactions whereby the price was completely dependent on seasonal changes, hence it was largely unpredictable.


Major Benefits of Financial Derivatives

For years many experts have studied the impact of this particular concept on all kinds of financial and property transactions. On the basis of their research on derivatives, it is confirmed that one of its biggest advantages is reduced percentage of risk factors involved in a financial investment. Financial derivatives are also known to offer variable opportunities to branch out on approximate income, thereby keeping the losses at bare minimum.


Risk Factors Involved with Financial Derivatives

Being a part of the leveraged market, asset liabilities as well as financial derivatives carry potential risks as they come with a fixed expiration date. Most investors fail to comprehend the entire concept of derivatives which is why they end up making poor investment decisions that often result in long-term losses. Financial derivates incorporate important decisions regarding buying and selling assets or properties based on speculation of the future market conditions in order to incur profitable returns. For example, an investor acquires a financial asset at a lower market rate with the intention of selling it in future, speculating that its value would increase in-time. But if he/she is wrong about this conjecture, the chance of incurring losses rises simultaneously.


With potential economic disaster on one end and subsequent rewards on the other, financial derivatives certainly present themselves as hard-hitting, double-edged swords for all kinds of businesses in the current market. It is therefore crucial to get relevant assistance on comprehending this concept entirely before going ahead with the investment strategy.

Ms. Ebele Kemery is a Commodities Leader with a track record of consistently profitable trading efforts and expanded business through understanding of client needs and developing customized solutions that leverage a wide variety of techniques and market intricacies, satisfy all risk management requirements.
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The World Needs Women Entrepreneurs – Ebele Kemery

There is a gradual but steady global shift that will result in women being the inevitable future leaders of our societies. If not, at the very least the current imbalance will be redressed.

On a smaller scale there is also a huge opportunity for any business or organisation that can step out of its limited, “safe” traditions and bring forward a more rounded, holistic and balanced way of doing things. Women and their inherent creativity are uniquely positioned to do this.

Women EmpowermentBut the game of business is a game created by men. That’s a procreation thing, governed by genetics. Men regularly used to venture forth and conquer other civilizations, raping and pillaging as they went. They would kill the men and impregnate the women because it was a matter of survival – about fulfillment of their bloodline. That’s what they used to do. Now they do it in business.

Men typically do business from a win-lose point of view. From their perspective “For me to win, you have to lose. The ‘pie’ of business is only so big, and my job is to go and carve out as big a piece of pie as I can.”


In contrast the attitude generally taken by women is, “Well here is a pie that’s only so big. Why don’t we see how we can make that pie go further? Or why not share the pie and enjoy it? Or why don’t we work at making another pie – then I can have a pie, and you can have a pie and we’ll have more pie.” So it’s very much about win-win.

Over the last 25 years it’s been observed by Ebele Kemery that better business is done by people who are playing win-win.


Men will go to extreme lengths to compete and win while women want a completely different business experience.The critical challenge for women comes when they go out into the world and declare “I want to play win-win in business”, and all the men go “Yes, we want to play win-win too!”

But the reality is that the men are still playing win-lose. This will overwhelm every time. This is because if somebody is playing win-lose but telling you that they are playing win-win, as a win-win player you’ll trust them. You’ll go along with it and be taken advantage of every time.


So what do most women do? Some will play along with the men’s rules, but many will start their own businesses. Women can (very slowly) change corporate culture from the inside, or they can change the world by starting their own companies. Becoming an entrepreneur doesn’t require any shifts in corporate culture.

For the last century or so, we have been addressing business issues as if they are linear, independent, and containable. Look around the world and you’ll find it hard to agree this is true. But if, as Einstein said, the thinking skills that create an issue are not the thinking skills you need to resolve that issue, we need more people with a different perspective on the problem and a new set of skills and abilities.


What is needed in business today is a better grasp of (and comfort with) relationships of all kinds. And this is the kind of thinking and problem solving that is most natural to women as typically:

  • Women are intuitively systems/relationship thinkers;
  • Women seek balance;
  • Women care more about solutions than who gets credit;
  • Women are experts on collaboration;
  • When they are passionate about something, women never give up.


As a result, women entrepreneurs intuitively create businesses that are better for themselves, their families, their employees, their communities, their customers and the world. Women tend to be more holistic about their understanding of their place in the universe. For example, they will operate from a perspective of abundance rather than scarcity, and they appreciate the energy and vibration of their actions in the business (and broader) world. They more readily bring “soul to business” by being more in touch with their spirit and emotions and able to converse openly about them.


Women’s measures of success also tend to be much broader. They are by nature, equipped for the Triple Bottom Line challenge. In fact, they assume that’s the goal, although they can get sidetracked by the attempt to play a game the rules of which we have established have essentially been created by men.


It is the tendency to create holistic enterprises that make women so effective at entrepreneurship. This is enabled by being able to see an issue from so many angles at once.

On a deeper level, women are interested in other people. They invariably notice things that are outside the awareness of most men. They do the right thing, they treat people well, and they listen to other people.


Women entrepreneurs are great. But not because they’re caricatures or stereotypes of some altruistic awesomeness, but rather because they often bring a different set of experiences that are equally valid to what men bring. The more we have of both, the richer everything gets. How could we do without the action and results orientation of men?

And before we over-glorify women, we should recognise that they are just as diverse and varied as men, coming with their own set of issues and idiosyncrasies. Indeed, many women end up being selfish and obnoxious, just as some men are really sensitive and thoughtful.


Not only do we need women entrepreneurs, we need growth oriented women entrepreneurs. Women are starting businesses twice as fast as men. But they are not all growth oriented, employment producing businesses. Many of them end up employing just one person.

A transformative and participative leadership style is not enough. For example, women need to learn all the regular business skills necessary such as raising capital to fund growth. Furthermore they need role models of growth oriented women entrepreneurs that are not behaving like Machiavellian males.


Things are continuing to change in the 21st Century with regards to more opportunities for women. But they are still the underdog, which means they’ll continue to work harder – to the benefit of all.


Ms. Ebele Kemery a member of the Global Fixed Income, Currency & Commodities (GFICC) Group and a Portfolio manager is extremely passionate about female education and believes it to be one of the most powerful and effective tools a girl can be given in the fight against poverty, disease and malnutrition. Ebele Kemery hopes that one day she will create a vehicle capable of spreading education to underprivileged girls around the world.

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Advantages of Forex Trading Over Trading Commodities – Ebele Kemery

One of the main advantages that Forex trading has over trading commodities is predictability. While it is undeniable that all markets are unpredictable and at the mercy of a whole range of factors, we must understand the nature of the Forex market first. You see, most of the traditional markets are subject to more than just global situations, or political upheavals or any economic situations. Ms. Ebele Kemery says that the nuances of the global market place are just a part of the factors that affect the predictability of traditional commodity markets.


Stocks and bonds, futures and equities also are affected by the corporate strategies of specific companies, their isolated performances and because no one can say that any company is truly 100%, most of time there is a fraction of our investment that is simply a stab in the dark. While this risk has been downplayed for the last few years due to an economic boom following the recovery of many mini catastrophes all over the world, the real effects of this shadow over the commodities market place are now being felt because f the current economic crisis.


Many investors have lost money on the investment market because of this unpredictability. Furthermore, most of the trading commodities are bound by quite a bit of red tape because of the nature of the markets. These markets are not as liquid as the Forex markets and in the world of trading, time can be more precious that the currencies that you are using to invest in the markets. In an economy where a few hours can mean the loss of fifty or more points, which in turn means thousands of dollars in stock options, then you need a market that is highly liquid, transparent in its transactions and has the speed that can deliver your decisions at the click of a mouse or the dial tone of a phone.


Investments are no longer the casual conversations over coffee tables, now they can be the be all and end all strategies of people looking to salvage themselves out of a deep situation. The Forex market will always be a market that is highly liquid and one that allows you to make money on both sides of the economic swing.


As for predictability, the Forex market has always been guided by certain principles and has a market psychology that can be both studied and forecasted. Any investors in the Forex market for a long time will tell you that these patterns can be predicted just by looking at the histories of the Forex market and how their major players can ignite a collective migration to specific currencies. You need this advantage especially in these bearish times. Turn your investment ideas into bullish ones that can penetrate the intricacies of market mechanisms and make some money. No one should go into a market with any sort of blinds drawn. You need to see the whole picture. It is time you leverage on the advantages of Forex trading over trading commodities.


Ebele Kemery is a member of the Global Fixed Income, Currency & Commodities (GFICC) Group. Based in New York, Ebele is the head of Energy Investing within the Commodities team. Prior to this role, she provided institutional client relationship management and tailored risk management solutions in the Investment Bank’s Global Commodities Group.

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When to Use Fixed Income Investments? Ask Ebele Kemery

Fixed Income 1

Whether one is living in difficult or robust economic times, it is always important to have an investment strategy that includes relatively safe investments. One form of investment is known as Fixed Income Investments. Fixed income investment refers to any type of investment that generates an average return. Investors loan their money to a government body, corporation, or financial institution and receive interest on a regular basis. Although the rate of return may not be high, there is comfort knowing the risk is minimal. If a person is seeking to invest their money where there is not a high risk, fixed income investments are usually the solution.


The term fixed-income investment include such investments as bank notes, mutual funds, mortgage backed securities, retirement investments such as GICs, T-Bills, as well as government and corporate bonds, and other forms of securities. While the principal and return are not fail-safe, these fixed-income funds offer the chance for a higher return. They are popular for those planning on retiring in the near future. GICs are a popular choice as a fixed income investment. The interest and principal are insured to a certain degree so your money is for the most part protected. Fixed-income mutual funds are a good choice for wary investors as they provide the opportunity to predict income over a set period of time. This is handy for budgeting purposes, so people can plan for retirement.


Many prudent investors acquire bonds as a fixed income investment. They generally pay out twice a year or on a monthly basis. Bonds are a tax-free investment income. Such bonds can be federal, state, or local municipality bonds. Certificates of Deposit allow people to earn interest on their investment without any real risk of loss. It is much like putting money in an insured bank investment for a fixed period of time. It will earn a preset interest rate for a fixed time period. After the time expires, the certificate matures and the investor can cash in the certificate. They will receive their initial investment plus any interest earned.

Savings Bonds pay a fixed interest rate that is delayed until the bond is redeemed or for 30 years. The rate is based on the interest rate at the time of purchase. The interest paid is adjusted for inflation.   If you are about to retire and are in need of an investment with low risk, fixed income solutions can be the right choice. Investment portfolios will benefit by having a safe and secure stock. By combining investments that are affected differently by economic events, investment risk is reduced. These investments are often chosen during periods of market instability. Fixed investments can fluctuate with market conditions. If you have to sell them prior to maturity, you will usually receive a penalty fee.

Ebele Kemery says that Fixed Income Investments are a sound choice for cautious investors and those seeking a safe investment for retirement. Most fixed-income investments also provide a foreseeable flow of income. This can be an advantage for those on a pension or social security.


Ms. Ebele Kemery is a member of the Global Fixed Income, Currency & Commodities (GFICC) Group. Based in New York, Ebele is the head of Energy Investing within the Commodities team. Ebele is consistently promoted; recognized for development and leadership strengths and Strong analytical approach; full-tuition scholar from top-tier university possessing a Bachelors in Engineering in Electrical Engineering. To read more please click here!

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Ebele Kemery – Understanding How Forex Signals Work, the Easy Way

Forex Trading

Forex signals are the basic verbal codes in Forex Trading. They are used as indicators for good or bad trading times, and have been used for years as factors for Forex trading decisions. These Forex signals have been communicated from one Forex agent to another via telegraph and telegram in the early days of Forex Trading. Now, real time Forex developments could be viewed through the internet. Human Forex investors may create their own sets of Forex signals to complement their automated online Forex Trading tools. Newbie investors and brokers, on the other hand, may avail of the services of a good Forex Automated Trading company to get a hold of a good Forex signal generator. These generators produce Forex signals based on the behavioral patterns of different Forex currency ratings.


Where to get good Forex signal generators

Since the latest hype in the Forex industry is automated training, a gazillion Forex alerts providers have popped out of the wood work. A good way of investigating the credibility of these Forex automated trading providers is by reading reviews online. Users with bad experiences with a Forex service provider will surely post blog entries and reviews about this service provider to ensure that no other investors gets victimized again. Internet searches for these reviews are relatively easy with the existence of numerous search engines. Public forums of online Forex investors are also available online. Basic information, FAQS, and reviews regarding online forex trading tools have highly informative threads in these forums.


What’s the secret in managing Forex signals?

Recognizing signals from Forex behavior, like language, entails familiarity. In time, a Forex investor will be able to get the “feel” of Forex currency movements. Of course, it helps to be informed about current world and regional events. External factors like government, economy and market psychology affect currency ratings, and eventually global Forex behavior as well.


The newbie Forex broker, in the mean time, can seek the aid of a good Forex signal generator. There’s no need to worry about the risks involved in availing of automated Forex trading tools. Most providers allow potential clients to try out their systems by using play money. This process is called “paper trade”. This allows the investor to test out the system before signing anything, just to find out if the strategies used by the system are compatible to his own trading beliefs. As much as possible, investors would not avail of automated Forex trading tools which veer too far away from their own decision making processes. After all these Forex automated tools are meant to act as proxy systems while s/he is unable to monitor currency rates in real time.


How exactly does a Forex signal figure in an automated Forex trading system?

Forex signal generators produce Forex signals which are indicators of ideal trading opportunities. These are certain algorithmic patterns which have been evident in successful Fores trades throughout the years. These Forex signals are then fed onto the program of Forex automated EAs or Expert Advisors. This program will then either make Forex trading decisions for the individual while s/he is away from the computer or advice the individual about what to do. Forex EAs act like wizards which monitor currency ratings through online Forex Trading Platforms. One can look at Forex signals as triggers of commands which allow the automated system to function.


Ebele Kemery is a member of the Global Fixed Income, Currency & Commodities (GFICC) Group. Based in New York, Ebele is the head of Energy Investing within the Commodities team. She is a Commodities Leader with a track record of consistently profitable trading efforts and satisfies all risk management requirements.

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Benefits Stated by Ebele Kemery of Having Renewable Energy Projects

Renewable Energy

Today when the whole world is suffering from huge energy crisis, renewable sources of energy is the only alternative to save the earth from total energy black outs. Therefore, investing in renewable energy projects has good prospects. If you are investing in harnessing green fuels you are actually taking an eco-friendly step.

Some of the benefits of utilizing green energy are: reduction in greenhouse gas emissions, retention of non-renewable fuels sources, and a pollution-free environment.

Today our earth is suffering from various environmental pollution problems. According to experts the only solution that can save our earth is the use of renewable sources of green fuels. For the sake of life forms on earth, governments of almost all the countries of the world are undertaking various renewable energy projects. However, to get success in this venture, governments need people who would encourage renewable energy projects at the community levels. Are you eager to make your contributions to save mother earth from residual pollutants of non-renewable sources of energy? If yes, you should take up renewable energy projects for your community.

Then you must decide which source of energy you will use. Although there is an abundance of green energy resource in the world, there is an unequal distribution of resources. For example, while there are certain places that get abundance of wind energy, some places may not have enough wind for putting up a windmill. Therefore the availability of sources of power is the first thing you have to research about before you start your renewable energy projects.

While thinking of these projects, make sure that your community is in favor of this move. You just cannot start a community project without consulting and influencing the community residents. You need to know if anybody would be interested to cooperate. There’s no use investing in projects which would not yield revenue. Therefore, it would be your first task to get the confidence of your targeted customers. Moreover, you need to calculate your investment for the projects.

When you are ready with positive feedbacks from people and have favorable research results regarding your venture for renewable energy projects, you need the supplies, technologies, and tools to start your project work.

Ebele Kemery is a Portfolio manager – Head of Energy Investing at JPMorgan Asset Management. Ms. Ebele Kemery has proven track record of robust and consistent profitable returns in commodities. Increased assets under management through strong performance and development of customized solutions that leverage a wide variety of market techniques. Consistently promoted; recognized for trading and leadership strengths.
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