If you believe the Bible, only the poor are blessed among us.But people who have accumulated even a small amount of capital through righteous labor are constantly concerned with the problem of where to invest their money. And not just invest, but with minimal risk, and so that it brings a stable profit. The times when it was “fashionable” to keep money under the mattress or invest it in bonds of the only existing and most “reliable” State Bank are gone forever. The investment market has expanded significantly, but it turned out that a large choice is not always a blessing. It is quite easy to “get lost” in this abundance of banks, firms and mutual investment funds offering to triple your capital. And the risk of losing your own investments by entrusting them to another financial pyramid is frighteningly high. And such a serious step as investing your own capital requires a thorough, detailed study of the investment market. First of all, you should clarify which types of capital investments are the most reliable today. Knowing this, it will be easier to decide what is right for you. So:
- Banking investments
- Investments in real estate
- Investment in education
- Investments in own business
Let's look at the types of investment in more detail. Each of them has both pros and cons.
Banking investments
Today it is the most commona way of investing money. What does it consist of? You invest money in a bank for a certain period of time, and the bank pays you interest for it, as established by the agreement. The amount and duration of your deposit play an important role in such an investment. The larger the amount and the term for which you entrust your money to the bank, the higher the interest rate. The most common types of deposits:
- Poste restante. Provides the lowest percentage, but you can at any time get your money back.
- Savings. You invest your money, and after a certain period you get the accrued interest.
- Urgent. At the end of the contract period you can receive your money and accrued interest. If the term is not met, the interest is either not paid or paid in a smaller amount.
- Estimated. This is a contribution that can be replenished; it involves periodic payment of interest. But in case you want to withdraw the invested funds, without closing the account, the amount specified in the contract should remain on the account.
- Accumulative. The purpose of this contribution is the accumulation of funds on the account for a large purchase. If you accumulate a certain amount, the bank can offer you a loan.
- Multicurrency. With this deposit you can store money in both currency and rubles. But it is worth considering that keeping the funds is best in the currency in which you then are going to spend it. Otherwise you will lose some money when converting.
In our troubled times, anything can happen.To avoid risk, you can insure your deposit. And if an insured event occurs, you will be paid the full amount of all your deposits in the bank. But only if the total amount of deposits does not exceed one hundred thousand rubles. If the amount is more than one hundred thousand but less than four hundred thousand rubles, you will be paid 100% of one hundred thousand and 90% of the amount exceeding one hundred thousand rubles. Not long ago, a new type of long-term investment appeared on the Russian market of bank deposits. The so-called "General Fund of Bank Management". In fact, this is the same deposit. You trust your money to the bank, but the interest rate in this case is not fixed. The bank makes investments at its own discretion. And you can either end up with a solid win or suffer crushing losses. But the choice is yours. We will consider the following investment opportunity.
Investing in real estate
I would like to remind you that investing money inReal estate has nothing in common with the ivy-covered house of your dreams in the outskirts of Provence or a chic bungalow on the Pacific coast. After all, you are concerned about where to invest money to make money, and not how best to spend a certain amount and then regret the missed opportunities. Therefore, approach this issue not as a consumer, but as a businessman. If you expect immediate profit from your investment, then investing in real estate is most likely not for you. This is not the area of investing money that will start bringing you profit tomorrow. Moreover, today real estate prices are falling catastrophically, both in Russia and abroad. Real estate is considered a long-term investment that brings in a constant income, and most importantly - preserves the invested money. It is not as susceptible to price fluctuations as securities. You can earn not only on rising prices, but also on rent. There are several ways to invest in real estate:
- Investing in commercial real estate
Various entertainment, shopping and businesscenters will be a good investment for those who hope to receive profit from their investments for many years. And, if you believe the experts, in this case you can count on the fact that such an investment will start to bring profit quite quickly, since even during the crisis people continue to go to shopping centers and spend their leisure time in various entertainment venues.
- Investments in residential real estate
As the classic used to say, “the housing issuespoiled Muscovites." This statement can rightfully be attributed to residents of all large cities. Despite the fall in real estate prices, the housing deficit in Russia remains high. And the cost of a square meter of living space on average amounts to tens of thousands. This is in an ordinary standard apartment, not to mention the so-called elite housing. In addition to the fact that the purchased apartment can be sold profitably, it can also be rented out for many years. You save your initial investment and receive a profit from it.
- Investing in land
This investment market suffered the most from the global crisis. And today, investing money in land plots is not economically profitable.
- Investing in real estate abroad
Will the funds invested in bring profit?real estate abroad, directly depends on the economic stability of the country where you are going to buy this real estate. Considering the financial benefits of such an investment from the point of view of a tourist is not only unreasonable, but also detrimental to your well-being. With such an investment, you should study in detail the economic and political situation of the country. Study the real estate market, the intricacies of the legislation and be sure to take into account the level of inflation. It is possible that rising real estate prices are the flip side of rising inflation. If you still decide to invest your funds in buying real estate abroad, it is best to contact specialists. Remember, you are investing your money and have the right to expect a profit. And this is possible only with a thoughtful approach.
Investments in self-education
Investments in self-education, according to estimatesspecialists, are the most profitable investment. It provides such opportunities for making a profit as no other investment known today. The owner of unique knowledge is always several steps above possible competitors, whether you choose the field of making a profit from investment activities or decide to implement the acquired skills in another area of business. If you carefully read the article, you noticed that any activity aimed at making a profit requires deep knowledge. Currently, there is a huge selection of educational institutions, seminars, trainings, business schools and elite consultations of practicing specialists. All you have to do is choose the direction in which you will receive education.
Investments in own business
There are no typos in the subtitle title, andinvesting in your own business can also be a good investment. And in some cases, it is preferable. The main criterion for choosing if you decide to start your own business from scratch will be the scope of your knowledge, interests, as well as the choice of a niche for providing services or producing goods that is not yet occupied or poorly developed. Finding a way to implement your own skills is quite simple. Let's say you are an excellent wine expert, you can "decompose" a bouquet of a collectible wine with an accuracy of up to a slight shade. So why not apply your unique ability in practice and create your own store of collectible wines? Some rare varieties of wine are already a good investment in themselves. If you do not have enough funds to open your own store, start with online wine auctions. You will enjoy doing what you love and earn good money at the same time. If you know how to work with leather, are well versed in the latest trends in Parisian fashion for bags, implement this skill. Even without an in-depth study of the prices of branded collections of bags from famous couturiers, you will understand that not every woman can afford such a “golden” bag, all the advantages of which lie in the “promoted” brand and the uniqueness of the model. And the products of enterprising Chinese “designers” that have flooded the market are not distinguished by either good quality or uniqueness. Offer women an alternative to the products described above. And after some time, you will acquire your regular customers and grateful connoisseurs of your talent.
Making the right conclusions
These are just examples of things you can do,having decided to invest money in your business. Whatever question you ask yourself (where to invest money at interest, how to protect your own funds from inflation, how to wisely manage your free capital), remember the famous proverb - you shouldn't put all your eggs in one basket. The same can be said about investing funds. The economic situation today is so unstable that not a single expert will undertake to predict what is the most profitable to invest money in. Therefore, the best way out for you will be a competent distribution of investments. Economists call such distribution of funds diversification. Moreover, it is worth investing the bulk of the money in an enterprise that will not bring you a large profit, but will have a low percentage of the risk of losing it. And the smallest part - in one where you have the opportunity to get the so-called "quick" profit, but the percentage of risk is higher. But in general, your money will be invested quite reliably. Make thoughtful and balanced decisions, but do not be afraid to make mistakes. And then even the most difficult economic times will become a springboard for you leading to new achievements.
