What to do with money during a crisis and how to keep your savings? As a rule, they start thinking about it only at the very last moment. Nevertheless, not all is lost and there is always an opportunity to properly invest your money. It is during a crisis that a chance appears to increase your capital.
In life, you need to be able not only to make money, but also to manage it correctly. The sharp depreciation of the ruble led to great panic. Because of financial illiteracy, people invested their money in household appliances, food, bought dollars for 70 rubles and other absolutely unnecessary things. As a result, they are now sitting at a broken trough and do not know what to do now.
The main rule of the smart investor is not to panic. Haste leads to rash decisions and loss of money. You need to wait for the right moment to invest your money. The crisis puts everything in its place. Everything changes and opportunities appear that were not there before.
The simplest and most reliable investment of money is bank deposits. Interest rates on deposits are almost 50% higher than they were before. This is a great opportunity to preserve and increase your savings. Most of your money should be put in a bank deposit.
During a crisis, what was expensive can become cheap. This is what you need to pay attention to and look for such buying opportunities. At all times, gold was considered the most stable investment. And now you can invest in precious metals. The cost of metals such as gold, silver and platinum is at five-year lows, so some of your money needs to be invested in these precious metals.
To do this, you need to open an OMS deposit in one of the banks and buy the required amount of metal. When choosing a bank, pay attention to the price difference between buying and selling. Choose a bank in which this value is less.
Not only metals are getting cheaper, but also the assets of many companies. You can also make money on this. As a rule, it is difficult for a beginner to understand and understand how to trade on the stock exchange. An alternative way to profit from the stock market are mutual funds. A mutual investment fund or mutual fund is the sum of the funds of all contributors. The fund's money is managed by a management company that invests money in stocks, bonds, deposits or precious metals. To invest money in mutual funds, you need to choose a management company and the type of fund in which the money will be invested. The recommended investment period is from one year.
In 2015, the state went to meet investors and developed a unique financial product - an individual investment account, abbreviated as IIS. The main advantage of this financial instrument is a state guarantee in obtaining income in the amount of 13% of the deposit amount due to tax deduction.
That is, all persons who have opened an IIA, through the tax office, will receive 13% of the investment amount for each financial year. In addition, money on IIS can be invested in stocks and bonds. Thus, the minimum annual income will be 20%. When investing money in stocks, you can get a profit of up to 100% or more. However, one should not forget about the risk of investing in the stock market. You can open an IIS at a bank, a management company or a broker.
And the largest sums of money should be invested in reinforced concrete structures, that is, in real estate. As a rule, during a financial crisis, people have less free money. Everyone solves their minor financial problems. Demand for real estate is falling, sellers are making concessions and there is an excellent opportunity to buy an apartment 10-20% cheaper.
The most patient investors have been waiting for a crisis for years in order to buy assets at the lowest prices. Firms and companies that went bankrupt sell their property at auctions. This is another opportunity to purchase some goods at prices below market prices.
And don't forget about financial crooks. The crisis is also a good opportunity for them to get rich. Do not invest in highly risky companies such as forex, pyramid schemes and other suspicious projects.
