Fifa 16 totw investing in bonds

As you'll see in the opening moments of the video, environments have also been cut back on PS3. The first clip of the game is one of the most blatant moments, with trees in both the foreground and background mysteriously vanishing in the PS3 video. It's not massively noticeable further into the game, but a factor nonetheless. Some textures appear to be of a lower resolution too, and lighting schemes can be very different. Depth-of-field effects also appear to be an Xbox exclusive.

I won't bore you with the details on this Wikipedia can fill you in on ambient occlusion and this interpretation of it , but suffice to say, it was first used in Crysis, so we can assume it's A Good Thing. It's used extensively in the version of Quantum of Solace, and once again, it's absent on PS3, and in places the difference is rather striking. You really do have to wonder what's going on at Treyarch.

You look at sub-standard PS3 conversion work like Spider-Man: Web of Shadows and you wonder why this company is being given high-profile franchise games to work on. Then think about how far we still seem to be defining from how a football game should feel to play. The addition of loan players to Ultimate Team means at last every manager has the chance to get their hands on stars like Victor Moses, Oussami Assaidi and Josh McEachran.

FIFA 15's game engine is so different to last year that it lends the impression not just of development teams working completely independently of each other, but also of a series sorely lacking this sense clear sense of direction or identity. What should a football game be like? Where FIFA 14 at times resembled a game of rugby, with impenetrable banks of four colliding and pace nerfed to the point that even the fastest player couldn't escape a marker without a yard head start, FIFA 15 is almost the opposite.

Passing is rapid-fire, with only light caresses of the control pad allowing you to weave slick triangles through the opposition's midfield, and the speed of your players is utterly critical to success, much like it has been in some previous iterations. To begin with, having the freedom to zoom past defenders is exhilarating. In real life, after all, Raheem Sterling could knock the ball past most left-backs in the league and reasonably expect to outrun them. You needn't even use right-stick skill moves - the new dribbling controls mean even FIFA novices can change direction, at speed, and find themselves easily breaking between lines.

Exhilaration turns to anxiety, however, when the boot is on the other foot and attack turns to defence. Even relatively low-skilled players can pivot and sprint with ease, and when even Leon Osman can repeatedly waltz his way into your six-yard box you can't help but feel that some kind of balance has been lost.

The new Football Club widget means you'll no longer have to send group text messages to friends every time you win a Career Mode game. This, in part, is due to big changes to defending controls, in particular making slide tackles much less effective and preventing lazy players from hammering the 'contain' button to block opponents around their box.

Defending now requires more skill and concentration than attacking, and for those of us who have neglected this side of the game over the years, it's a pretty sharp learning curve. The knock-on effect of this bias towards attacking is that more chances are created and EA has had to make shooting much trickier to compensate for this change.

In FIFA 14 the goals themselves were relatively easy to come by if you were in the right place and chose the right kind of shot. It was getting that space in the first place that was the challenge. Now the trajectory of the ball seems much less predictable, and power much harder to control, with rebounds from the goalie a much bigger part of play. My main tactic for scoring was to sprint past a full-back, tap shoot from a narrow angle and then bury the loose ball once spilled by the keeper.

It's the nature of any game, football or otherwise, to have exploits, but this feels like a particularly dissatisfying one. The goalkeeper system was long overdue a rewrite and much more natural behaviours are now evident in everything, from adjusting to changes in the flight of the ball after diving, to more sensible sweeper-keeper actions.

These unprompted, Manuel Neuer-like charges from the penalty area, combined with much less predictable ball movements, affect tactics too, all but negating the chipped through-ball as the crutch of lazy FIFA players worldwide. Opposition and team-mate AI is also significantly more advanced, meaning runners are often tracked by defenders beyond third and fourth passes and strikers will find space with much greater frequency.

Like the chipped through-ball, crossing is more erratic, hopefully ending the back-post header and, to some extent it seems, corners as the cheapest of cheap goals to concede in competitive online play. What you end up with is matches that are utterly frenetic, with slippery dribblers almost impossible to stop but much less likely to score after breaking through. Every game is end-to-end and, accordingly, many will find it a more exciting experience than last year - even if outcomes seem to be often decided by luck.

The short answer is no. It's so different that it will frustrate as many fans as it delights, based on their different approaches to the game. But ask another question. Again, the answer is probably no.

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Sign-up here. With that in mind, let's go back to my earlier point. If rates are going up and bond prices are going down, why would I want you to think about bonds? Firstly, bonds as a general asset class have a lower risk measure than stocks. Secondly, bonds generally pay you a coupon — monthly or quarterly, depending on the bond — that provides you with income as part of your investment. With interest rates on the rise, bonds will pay higher coupons.

That said, bonds in general can be complicated and are not without risk. You need to consider interest rates and credit risk — how worthy the borrower or issuer is — before jumping in. If you look at shortening the duration of the bonds you own, it will help to limit the potential damage that can happen if interest rates rise. If you can attempt to remove the interest rate risk by hedging, bonds become much more interesting. There are investment strategies that concentrate on short duration, while others focus more on the products that hedge the interest rate of bonds, which essentially mitigates the risk and makes the move in rates much less impactful.

An example of an interest rate hedged bond strategy is when you invest in portfolios of investment-grade or high-yield bonds and include a built-in hedge to mitigate the impact of rising Treasury rates. In most cases, these products do their best to eliminate rate risk while short duration strategies only limit your exposure.

You can also express this through asset classes such as floating rate investment grade bonds, bank loans and treasury inflation protected securities, or TIPS. All of this can be expressed via exchange-traded funds, also called ETFs , and mutual funds. When researching which funds work best for you, consider the track record and expense ratios before making a decision. You should also consult with a financial advisor if you have one. You should also consider your equity portfolio when rates are on the rise.

Just because interest rates are going up, it doesn't mean you can't still invest and make money in stocks. That said, not all stocks react in the same way in a rising rate environment, so it's important to research this beforehand. Certain sectors such as financials have been historical over-achievers. Energy and materials have also done well due to the increase in prices inflation that comes along with rising interest rates. Personally, I have been focused on stocks that pay dividends.

These types of stocks are generally lower in risk, are historically solid companies with long track records and have cash on hand to sustain market volatility — plus, they pay you dividends. There are many ETFs and mutual funds that focus on this kind of investing , which has many names, among them equity income or rising dividend funds. The strategy for these funds is a mix of accrual income and duration. However, these funds are highly volatile in terms of the market interest rate scenario.

Therefore, investors must plan their entry and exit into these funds appropriately. It is suitable for investors looking for income and capital appreciation in different interest rate scenarios. Inflation Indexed Bond Fund These funds invest in inflation-linked bonds or IIBs issued by the government or corporations that are mapped to the prevailing inflation rate in India.

The objective of this fund is to generate capital appreciation and income when the interest rates are rising. This fund is suitable for investors who want to hedge their portfolios against inflation and diversify their portfolios. Municipal Bond Fund These funds invest in bonds issued by local and state governments to help fund capital projects.

These bonds are attractive because they provide slow and steady income. However, they carry a high degree of risk. Who Should Invest in Bond Funds? Investors looking for portfolio diversification through debt instruments, bond funds are a suitable option. These funds invest in a basket of bond securities, thus offering a diversified investment portfolio.

Even though bond funds are not as risky as equity investments, there is a certain level of risk associated with it. Therefore, investors must be aware of the risks associated with bond fund investments. The most common risks with bond funds are credit risk, default risk and interest rate risk.

Moreover, it is essential to note that bond funds do not guarantee principal like individual bond investing. Therefore, investors looking for a well-diversified bond portfolio and having medium to long-term tenure can consider investing in bond funds. Investment Horizon The investment horizon is the time period for which the investor wants to hold the investment either short or long term. For instance, short-term funds are for a short-term duration, while income funds are for a long-term duration.

Portfolio Diversification Bond funds invest in different bonds government bonds, corporate bonds, etc. This means investors can get exposure to the bond market by investing in a single bond fund. However, the minimum limit for every type of bond may vary depending on the type of scheme. Therefore, an investor must check the scheme-related documents carefully. Fund Manager A debt fund manager plays a crucial role as the investing strategy varies depending on the fund type.

Therefore, the fund manager can choose the bonds based on the credit rating and average maturity. Moreover, the mutual fund declares these aspects in the scheme documents. Moreover, investors must also analyse the performance during different market cycles to understand how efficiently the fund manager was able to manage the fund.

Investment Costs Every bond fund has certain costs associated with it, which are in the form of the expense ratio and exit load.