We invest money correctly: we consider options, risks, advice of experienced investors.
Content
- Diversify investments
- Where can I invest money at a high interest with a guarantee?
- Where to invest: investments
- Where to invest money on the Internet?
- How to invest money in gold: advice
- How to invest money in gold Sberbank at interest?
- How is it profitable to invest in Sberbank?
- In which business to invest money to earn?
- To which bank should I invest money?
- How to invest in a startup?
- Where to invest a little money?
- Where can I invest money to earn without risk?
- Video: How to invest money in stocks?
- How to invest in Gazprom shares?
- Video: Secrets of investing on the example of shares of Gazprom
- How to invest in real estate?
- Video: How to invest in the construction of an apartment?
- Where to invest for a month?
- Video: FINANCIAL LITERACY in 6 minutes |Control of personal finances
All of us sooner or later start to dream about passive income. But someone dreams, and someone gets. No, in this article you will not find a word about games and risky investments, nor will you find information on how to double or triple the amount invested in several years. This is simply not realistic. But this article will be uniquely useful for those who have accumulated a certain amount of money and plans to invest them to further receive passive income.
Diversify investments
First of all I would like to remind you of the much needed financial cushion, without which it is simply unreasonable to remain. What it is? This is some amount of money, postponed, as we usually say "for a rainy day."Situations in life are different, and you should not drive yourself into the trap of lack of money and registration of loans only because you have already invested money in another project.
And be sure to diversify, well, at least go to this issue, investing in one project, invest the next amount in another. Only this measure really guarantees the possibility not to go bankrupt one day.
And the last tip: invest only in projects where you are well versed. Do not understand, but want to invest - an excellent opportunity to explore this area.
Where to invest at a high interest with a guarantee?
Investments. Currently, this income is considered the most profitable. But the most risky, especially for beginners. We strongly recommend that you not invest the entire amount in investments, even if the project seems so incredible and uniquely successful. Especially on this "fishing pole" beginners come across. Remember, many soap bubbles projects, but competently submitted.
And the newcomers, after reading a lot of delicious, and by right of amazing stories like other people have invested a little, and got from that millions, are ready to take off the last shirt and invest it, and quite often borrow money to "profit" and invest. This is the right path to the debt hole.
So, if you want to invest in investments, then together with the first deferred dollar immediately sit down for the Talmud and study the investment business. If possible, attend seminars, webinars and all kinds of meetings where you can emphasize real information and a complex and often unpredictable business. Inspiring or motivational books and videos are good, but if in luggage they will only be 99% of the likelihood that you will lose money in the first project.
Where to invest: investment
In this section it is worth mentioning the stock market and mutual funds. The stock market enables ordinary citizens to purchase bonds, futures, stocks and other securities. But at the same time be prepared for the fact that the return of funds, both earned and nested, is not always guaranteed. Unlike banking investments.
PIF - unit investment fund. A financial organization that independently organizes its investment portfolio. The mutual fund sells its securities( shares) and promises a good profit in case of profitability of the organization.
Where to invest on the Internet?
The most popular and proven way to invest on the Internet is Forex. Not to be confused with millions of bred online offices offering to play and win tens of thousands from them, etc. Forex is a world currency market where you can buy and sell the most diverse currency of the world.
In order to invest money and get paid to you, as in the case of an investment business, you will have to learn and understand a lot of information. Do not you want to? Use the services of a broker. Yes, a part of the profit will settle in their pockets, but you definitely do not miss everything that you have accumulated.
Another way to invest in the Internet: on-line lending through banks and electronic systems. For example, WebMoney. You give money to individuals through WebMoney, and at the end of the term you get money back and considerable interest.
Part of banks now also offers loans to individuals and legal entities through them. In addition, the insured amount in case of non-refund.
How to invest money in gold:
advice Many people have heard firsthand about investing in gold as a single stable capital, but how to do it and what is needed for it, and in general than it is better than investing in a national or world currency do not know.
- Unlike paper money, gold never depreciates;
- To own a gold bar is not only profitable, but also gives a unique sense of success and self-sufficiency;
- Gold in the world market is slowly but steadily growing and never falling;
- How to choose and buy gold can be understood even by a beginner, moreover such an investment is as safe as possible.
To begin with, it is worth deciding whether you are ready to invest in gold at the bank or outside( store houses, office, in a non-banking cell).
In the bank you do not receive the ingot, but documents about its possession. The ingot immediately go to the deposit, and you get interest for it.
In the second case, you receive an ingot and documents on it.
If you buy an ingot in one bank, but invest it in another bank, you will become the owner of the gold account only after the bank has examined your ingot.
It is worth mentioning that the minimum purchase of gold in an ingot is 10 grams.
Please note that the bank gold and the one we used to wear on ourselves in the form of jewelry is significantly different. Bank gold sample 999.
Types of gold ingots that you can purchase :
- Molded or stamped ingot;
- Cut a piece from a stamped large ingot;
- Jewelry semi-finished product( if subsequently you plan to embody the ingot in jewelry business);
- Elite ChipGold weighing about 20 grams and resembling a plastic card. This can be carried in a purse to raise the strength of spirit or status.
What to look for when buying and depositing gold bullion :
- A reliable bank. Choosing a reliable partner, you guarantee yourself a stable reliable income without nerves and emotions;
- Interest: how to pay, what percentage, what currency of charging and pay attention to interest payments;
- Deposit term and prolongation( automatic extension for the next term) and its conditions( advantageous options: +% to the previous rate, bonuses, benefits for servicing other products in the bank, etc.).Unfavorable conditions: prolongation of the current rate at the moment of prolongation( it may be much less than the one for which you opened), payment in national currency at the bank rate( for both ingot and interest), etc.;
- Bank license to open metal accounts;
- Is there a commission for account / cell maintenance, etc.;
- Reliability of the bank, as metal deposits are not insured;
- Whatever was a nice manager, at least 3 times read the contract, preferably immediately( ask questions as necessary) and taking the contract home and in a relaxed atmosphere with family members or a lawyer.
How to invest money in gold Sberbank at interest?
One of the reliable ways to invest money and get a small, but profit - deposit in the bank. Why a small profit? After all, we have a small but constant inflation. But still if you think that it is better to deposit in the bank or the money "under the mattress," then at the bank on the deposit they at least do not depreciate.
In order to put money into Sberbank at interest, it is enough to visit the nearest branch of the bank and open a deposit in the desired currency. In advance, we recommend that you read the current terms and conditions of on deposits under the link .
In case you already have a Sberbank card, you can open an online deposit. The terms of such deposit are available on link .
How is it profitable to invest in Sberbank?
In order to profitably invest in Sberbank, you can recommend to be a client of this bank and regularly track promotional offers( come in mailing lists) or regularly track the shares on the site of of Sberbank .
In which business to invest money to earn?
On the question, "In which business to invest money to earn?", There is the best answer - in your own! And this is the truth. After all, not many people are ready to invest money in the business and after that do not worry at all and their destiny and trepidation expect dividends.
But still, if you decided to invest money in a business, then first of all you should consult a lawyer and make a mutually beneficial contract about your money investment. We also recommend insuring this business in such a way that in case of bankruptcy you could return the invested amount.
Currently, experts recommend investing in Internet projects, small production and, of course, franchising, which in 90% is a win-win option.
In which bank to invest money?
There were no ready solutions on this issue, and no, but there are basic rules, following which you will definitely remain in the black.
- Follow the ratings of banks and choose the most reliable for deposits( from the first to 20-30 seats).Yes, they probably do not give the highest interest, but you probably get them;
- Deposit Insurance Agency( DIA).Study the information and do not exceed the amount of deposit payments to one bank( this may be one or more deposits).Check that your contribution is insured by the DIA state corporation before you put your money on it;
- Remember the rule "do not store all the eggs in one basket".Even if you have a small amount, keep it in different banks, and even if something happens to one bank, it will not be your personal collapse;
- Contributions to the national currency always have a high interest rate, but do not forget about inflation. If the contribution is up to 6 months, we recommend investing in the national currency and making a big profit. If more than half a year, then be sure to calculate all the risks.
How to invest money in a startup?
Startups appeared quite recently, but they have already achieved positive dynamics. Although for most of the townsfolk it is not clear what a startup is and how it is profitable to invest in it.
I would like to draw your attention to the fact that financing start-ups is a risky investment, since only a small percentage of start-ups achieve a lightning success. Therefore, all financial advisers recommend investing in start-ups after a detailed analysis, as well as not the entire amount.
Where can I find startups in which it is possible to invest money profitably? On the stock exchanges of startups you can find both interesting projects and like-minded people having teamed up with which it is possible to invest a lot of money.
And we can strongly recommend investing not intuitively, but only in those projects that really inspired you, you personally( or your financial adviser) understand their need and profitability in the future.
List of exchanges :
Stock exchange https: //www.kickstarter.com/
Stock exchange http: //smipon.ru/
Stock exchange http: //boomstarter.ru/
Stock exchange https: //planeta.ru/
Stock exchange https: //www.indiegogo.com/
Stock exchange http: //www.rockethub.com/
Stock exchange https: //www.crowdcube.com/
Where to invest small money?
If you have a small amount of money, but you want to invest it now, without waiting for a large amount, we recommend:
- Lending of individuals to WebMoney
- Opening of a cumulative deposit in a bank
- Transfer of money into foreign currency
- Exchange trade( after prior training)
Where to invest money to earn without risk?
Without risk options, in fact, does not exist. But there are investments with minimal risks. Some of them are described above, and we will not return to them in detail, but only list them.
- Investments in precious metals
- Deposits in reputable banks
- Buying / building and subsequent rental of real estate
- Buying securities
- Trust management of professional investors
Video: How to invest money in shares?
How to invest in Gazprom shares?
Today Gazprom is popular as never before, thousands of people dream to work there, and it's not in vain, it's a stable company that brings super profits and provides excellent opportunities for both its shareholders and each employee in particular. But we suggest not to work, but to receive income! To do this, you will need to purchase Gazprom shares, and this can be done on the Moscow stock exchange on the link .
Video: Secrets of investing in the example of Gazprom
shares How to invest in real estate?
It would seem that it's easier? But sometimes it is in the simple we do not see the elementary. About how to properly formalize the acquisition, we will not talk in this section, but we collected ideas for investment depending on the amount of investment.
- Acquisition and subsequent delivery of an apartment / house / room in a hostel;
- Acquisition and subsequent delivery of the garage;
- Acquisition and subsequent delivery of a dacha or land plot, including under construction;
- Become an equity investor in the building, which saves the purchase of housing up to 30%;
- Invest in closed real estate mutual funds, both domestic and foreign;
- Acquisition of land and real estate abroad.
Video: How to invest in the construction of an apartment?
Where to invest for a month?
It would seem a short time? But there are also deposits of the day off, for 2-3 days. We will submit only the most popular investment ideas for a month. Do you know more? Share in the comments!
- Deposit in a bank in the national currency at the highest interest. In the short term, inflation will not be able to absorb profit, because you will remain in excellent advantage.
- Crediting of individuals. Sufficiently profitable investment, if it is pre-insured.
- Acquisition of shares and securities of companies that are developing rapidly.