When you hear about people on the Forbes list, do you think about how these billions are valued? If it seems to you that this is money in their accounts in some banks, then you are very much mistaken! The numbers in the rating consist mainly of the market assessment of the shares of those companies that they own. In the 21st century, it is not at all necessary to create an innovative startup, win dubious lotteries or inheritance to create a solid capital that allows you to live on interest. Find out an easy way to create capital from the assets of Russian and foreign companies, available free of charge to any citizen of the Russian Federation.
I will immediately answer the question posed in the title: these assets are neither real estate, nor deposits, nor bank accounts or cash, nor gold, cars and other luxury, but shares in various businesses or shares of companies. Today, this is the only reliable way to create capital that can be used by any resident of the country where it is possible to open a brokerage account. Some of these states are the Russian Federation and the United States.
A bit of theory. Any citizen of the Russian Federation, the United States or any other country in which special laws and organizations operate can easily begin to acquire shares in someone else's business with free funds. Each such business is divided into a large number of parts - ordinary shares and by buying shares of the enterprise, a person gets the right to own part of the capital and receive part of the profit (dividends) of this business. This share in the capital of the company and profit depends on the number of shares of a given person. In order for him to have such an opportunity, a special organization is required - a broker, thanks to which those who want to buy and sell securities of large enterprises, such as Gazprom, Lukoil, Apple, Microsoft and many others, gather in one place. Today, such a "place" is an ordinary terminal connected to the Internet.
Now let's get down to practice. All an average person needs 18 or more years of age today to buy stocks is to follow 3 simple steps.
- Open a brokerage account;
- Make money on it;
- Buy shares of the company of interest.
Buying the shares themselves is also not difficult, since brokers provide an intuitive tool for this operation.
Once you complete these steps and buy your first stock, you just need to follow a simple strategy.
One such strategy, available to any person, even if he is not going to engage in acquiring the knowledge and skills of a professional investor, is to regularly deposit part of the profit into a brokerage account and regularly buy shares of large companies. Just save money and buy any of the stocks you are interested in whenever the amount of the deferred amount is sufficient for a trade. Even if you save only $ 50- $ 100 or 3000-5000 rubles a month, buy shares on them, then in 3-5 years the cost of all these securities can amount to several hundred thousand rubles. At the same time, one should not forget that the companies that issued these securities regularly pay dividends if everything is stable with the business.
As a result, it may turn out that first you save money and buy shares, and then the companies, paying dividends, will be able to provide you with the same income that you donated during all these months! This means that if you continue to save the same amount, then, taking into account dividends, you will receive 2 times more shares every month! This is how your capital will be amassed, for which, even putting aside 3-5 thousand rubles, in 10 years you can cover all the necessary expenses for an apartment, food, etc. And if you save not 5000, but more? Then the result will be much better, and your capital will provide you with financial independence.
What securities should you buy?
There are 2 answers here:
- Just go through the sectors of the Russian Federation and the USA and select the companies with the largest market capitalization. Today, for example, for such a strategy one can acquire Rosneft, Sberbank, Gazprom, LUKOIL, AK ALROSA, MTS, Rostelecom, etc. in Russia and Apple, Amazon, Microsoft, Nike, etc. in USA. If you make a portfolio of all these stocks, then you will receive both a share in these companies and dividends, as well as protection from bad situations, which one of the companies may get into - after all, this company will occupy only a small share in the portfolio.
- Open an account with Tinkoff Investments and buy ETFs for American and Russian companies in any proportion convenient for you, for example 50:50. This is the easiest way to get a small stake in each of the hundreds of US and Russian companies in which the ETF invests. Of course, you can not only be limited to the United States and Russia, but also invest in the economies of China, Japan, Germany, England and Australia:
This is enough to start creating serious capital. In addition, you can think about what unnecessary expenses (for example, bad habits) should be eliminated from your life, start to engage in professional development in the area that provides you with current income and set aside most of the saved unnecessary expenses and salary increases for buying stocks. large companies or ETF units. In a few years, you will be pleasantly surprised at the result, and in 15-25 years you will even forget why you need a state pension, because the dividends on your capital will exceed it several times!
Finally, I would like, of course, to remind you that there are different situations in the world and the economy may fall or enter a crisis, and the prices of your shares and shares may fall several times for a long period. In such cases, you should not panic and in no case sell securities, because sooner or later the economy will recover, because people need to consume what it produces.
You should also remember that stocks are just one of many types of securities, but they should make up a large share of your capital if you are far from retirement, but with age it is better to transfer part of your income to more reliable instruments - bonds, OFZs, deposits in a bank, etc., both in rubles and in foreign currency. Although they bring less income and capital gains, they will help you live in peace in retirement, even if there is a crisis like the one in 2008 or 2014 before you retire.
