Mutual funds, or mutual funds, allow non-professional investors to make money on investments in stocks and bonds. At the same time, the start-up capital is needed relatively small.
Instructions
Step 1
The first step in investing money should be the choice of the optimal mutual fund. It is necessary to choose a fund based on a number of criteria. Initially, you need to decide on your investment strategy and the level of risk that you are willing to take. There is a wide variety of mutual funds. So, depending on the securities that make up the investment portfolio, bond funds, stock funds, mixed funds, index funds can be distinguished. Funds that invest in stocks are considered more profitable, but the risks of losing funds in them are also higher than for bond funds.
Step 2
The second criterion should be the threshold for entering a mutual fund, or the minimum amount for investment. For most mutual funds, it is relatively small - an average of 5-10 thousand rubles. Initially, you can invest small amounts in mutual funds - 50-100 thousand rubles.
Step 3
It is also worth analyzing the fund itself. In particular, the availability of a license, time of work on the market, profitability, net asset value and the fund's place in this indicator in relation to others.
Step 4
The purchase of shares is an object of long-term investment. It makes sense to invest in mutual funds for a period of one year. The optimal period is 3-5 years, this is how long the economic cycle lasts.
Step 5
As a rule, shares are sold directly to the management company, as well as through intermediaries and agents. Full information on points of sale can be found on the fund's website.
Step 6
To purchase shares, you need to contact the agents of the mutual fund and sign an agreement. Together with the agreement, you will be provided with details for transferring funds towards the purchase of shares.
Step 7
After the money arrives at the mutual fund's current account, you will be provided with an extract on the number of units and a notification about opening an account. In the future, if necessary, it will be possible to increase your investment portfolio and buy additional shares.
Step 8
The return on investment in mutual funds is formed by the difference between the purchase price and the sale price of the units. If the shares have risen in value, you will remain in positive territory, if they have fallen, you will incur losses. Accordingly, if you think that the value of the shares has reached its maximum value, then you can sell them. The terms of sale depend on the type of fund. In open-ended funds this can be done at any time, in interval funds - at the time specified in the agreement (for example, once a year).
