What if you have a large amount of money in your hands? Someone will open their own business, someone will invest it in real estate or other objects, but there is always an opportunity to put money in a bank at interest. For many, this option seems very profitable, but do not forget that there is inflation.
Instructions
Step 1
Today, you can invest in a bank at 7-12% per annum. These are the average offers of different banks. Moreover, the higher the rate, the more conditions. For example, a bank can draw up an offer so that it will be possible to withdraw any amount only once a year, after the expiration of the contract. If you take interest every month, then the rate will be slightly lower.
The average family in Russia today can live on 30 thousand rubles a month. To get such an amount, you need to put 3 million 600 thousand at 10%. If you need more for life, then it is worth increasing the amount of the deposit.
Step 2
A feature of the modern economy is inflation. Today you can buy 100 rubles much less than 3-4 years ago. This means that money is gradually depreciating. The average annual inflation rate in Russia is 8%. Accordingly, you will lose part of your money every year, although the amount will not change. For example, today for 2 million you can buy a two-room apartment in a provincial town. In a few years, this money will only be enough for a one-room apartment.
Step 3
To save savings from inflation, you need to leave on the account the amount of accrued interest, equal to inflation. This means that 8% of the money that has come in is better left on the account. If the contribution is under 10%, then it is advisable to withdraw no more than 2%. And to get the desired 30 thousand a month, you need to invest 18 million rubles.
Step 4
Today there is an alternative investment system. Interest-bearing money does not have to be carried to the bank. You can entrust them to the person who will deal with their investment. Many companies offer similar services. The interest on these deposits can vary from 10 to 200 per year. But with such investments, it is necessary to check the reputation of the company, as well as inquire about the stabilization fund, which will be used if unforeseen circumstances occur. There is always a risk of loss in such investments.
Step 5
You can also invest in real estate. Today, commercial properties generate a lot of income. This cannot be called unequivocally interest, but monthly payments with the right investment are definitely guaranteed. Renting an office can cost a lot of money in any city in the country.
