This article is devoted to the topic of investing money or "investments". In simple terms, let's talk about where an ordinary person like you and I can invest to make money from our own money. We will talk about ways of investing money available to any person without special training, because there are many types of investments where you will need to "enter the topic", so to speak.
So, go ahead. Immediately throw away all the terminology there, and we will disassemble everything "on the fingers". It is assumed that we already have a certain amount of money, which we "saved" earlier. If you don't have that amount yet, then welcome to www.sberegai-dengi.com This resource will help you deal with your finances and teach you how to save money.
So, back to our situation. We have the amount that we do not plan to spend on any purpose (we mean the purchase of various kinds), the money is lying with us and just the right time to think about how they did not lie just like that and the dust fell, and give them to work.
We go further. What can we do in this situation? Where can we put our money to bring us a kopeck? Let's look at the options available to us. Remember that we are ordinary people without, so to speak, special financial training, so our choice is limited only to publicly available types of investment. Those of us who know a little about finance have access to a wider range of investments. And those of us who don't know about finance have two options - either to settle for the options below or to disassemble and discover the "magical world of finance".
So, the options:
Variant 1 and most common: bank deposit. It is quite popular and, with the right approach, quite reliable and profitable. Only it is necessary to "include your head" in this question. Read more about banks and bank deposits in the articles "Deposit rates" and "Choosing a bank to place a deposit".
Option 2: Investment fund. In a nutshell, what it is. An organization made up of people who know about finance will invest your money to your advantage and still receive their commissions. Several questions arise at once - what kind of organization is this, can you trust these people, where they invest my money, and most importantly - what is their interest in this?
Let's find answers to all these questions. The organization is called an investment company, specializes exclusively in investing money, the most profitable investments of money. This company employs people called analysts, who calculate the benefits of various types of investments. Your money will most likely be invested in the stock market (these are different types of securities), although this depends specifically on each investment company. Any company provides this information. And now the most interesting thing is that why this investment company needs our money? Do they want to "leave" us? Not at all. Your money for this company is a money resource. The more the company has this resource, the more it has a field of activity, more opportunities to invest money and, consequently, more profit for you and more profit for yourself, because they get their commission. The company collects small amounts of money from the population and eventually gets a solid money resource from which to earn a solid profit.
Here is a scheme of the investment company in the most general terms. You can always find more information on the network.
Now go on. Each company has investment funds, usually several of them. An investment fund is a cash fund. The difference between funds is in the degree of risk to which your money, profitability and the duration of the fund are exposed.
When investing money in an investment fund, you should understand that unlike a bank, there is no 100% guarantee of safety of money here. This is not a terrible phrase - do not be afraid. It means that the fund can be chosen as a "conservative" one, where there will be not very high profitability, but the money is invested in safe "places" and something is unlikely to happen to your money. There are also "moderately aggressive" funds. The income is higher here, but the risk of not making money is also present. Everything will depend on the fund managers. And there are also "aggressive funds", where there is a possibility to get almost double profit, but the risk of not making money and possibly losing part of their money is also very high. Each type of fund is good in its own way. This will be your choice.
Somehow it's all complicated, you say. No, it is not. It is very easy to understand, just spend some time and visit the investment company with a bunch of questions, and they will enlighten you in detail.
And finally, a couple of "axioms" on the issue of investing money.
Axiom №1.
Attention! Buying a car or real estate is not an investment. This is a myth! If someone tells you this, don't ever believe it! After you leave the auto salon, the car immediately loses 25-30% of its original value. What is the point of investment?
Real estate in the current conditions does not represent a real source of income. It is necessary to invest a lot of money and wait for a long time, and the profit is in question. Will it be possible to sell more expensive real estate in a couple of years or not?
Of course, there are exceptions - rare cars or exclusive real estate, but that's not what we're talking about. So remember, cars and real estate are not a source of income, but a source of expenses, because they will pull money out of you for their maintenance.
Axiom №2.
Remember once and for all! If you want to earn good money, understand and understand for yourself the topic you are interested in. Without it, nowhere! When you entrust your money to other people to enrich you, firstly, they will enrich themselves and not you, and secondly, there is always some possibility that they will deceive you because you do not understand the issue or something will go wrong, as you were told.
Remember, before you do anything, you must understand what you are doing! Before you do anything, spare no time and patience and try to figure it out. It will be useful for you and your money, and also gain experience.