In the context of global financial instability, the issue of the safety of savings is becoming especially relevant. How to protect your savings from financial cataclysms and, if possible, increase them?
It is necessary
- - a deposit account with a bank;
- - gold bars and coins;
- - promotions;
- - the property;
- - antiques and art objects.
Instructions
Step 1
If we are talking about the need to protect savings from inflation, then the simplest option is to keep them in a deposit account with a bank. With a deposit rate of 6-8 percent per annum, you can easily save your money. Some banks offer higher interest rates, but it should be understood that a high deposit interest is always associated with increased risk. All deposits are now insured, but in the event of bankruptcy of the bank, you will be refunded the entire amount only if it does not exceed 700 thousand rubles.
Step 2
In the event that you do not trust banks, keep your savings in gold. The most convenient way to buy is not jewelry, but gold bars and coins. You can now buy a gold bar in many banks, but you should take into account that you will be charged VAT. You can avoid tax by leaving the purchased bullion for safekeeping at the bank. Gold (investment) coins are not taxed. You can also keep your savings in silver.
Step 3
What if you want not only to save, but also to increase your capital? This wish can be fulfilled in the stock market. Buying and selling shares can bring you substantial income, provided that you are well versed in the matter. If you do not consider yourself a specialist in the stock market, give your money to trust. For example, you can invest them in mutual funds (UIF) or general funds of banking management (OFBU).
Step 4
With trust, your income is not guaranteed by anything, it all depends on the market situation and the qualifications of the people managing the investment capital. You can get 25 percent or more per annum, or you can stay in the red. Nevertheless, in most cases, such contributions turn out to be profitable. If you would like to invest your money in this way, find a financial company with a good reputation.
Step 5
One of the easiest and safest ways to preserve capital is to purchase real estate. By purchasing an apartment or house, you will be able to receive a monthly profit by renting out your property. Whatever cataclysms occur in the global economy, this is unlikely to greatly affect your property.
Step 6
A good investment option is the purchase of antiques and art objects. As a rule, the price of collectibles only grows every year. But it should be borne in mind that a huge number of fakes rotate in this market, ranging from fake collectible coins to the same fake paintings. For a person who has no experience in this area, the risk of buying a fake increases many times over.
