How to preserve and protect the accumulated funds from the crisis and inflation? This question is more relevant than ever. It is very important not only to protect money from depreciation, but also to increase it. There are several investment methods. Everyone can choose the appropriate one, depending on their requirements and capabilities.
The simplest and most reliable way to keep money is a bank deposit. However, this type of investment is low-yield, because the interest on the deposit does not cover the rate of inflation. Despite this, keeping money in a bank is much safer than under a mattress.
The indisputable advantage of the deposit is the state guarantee, simplicity, affordability and low entry threshold. Therefore, many people prefer this particular investment method.
You can keep money in the bank in rubles, dollars or euros. The economic situation in the world is very unstable, so it is difficult to say which currency is more reliable. Interest on deposits in rubles is higher than in other currencies. However, there is no guarantee that the ruble will retain its positions and will not fall in price.
It is better to keep money in the currency in which you will spend it. This will help avoid losses when exchanging funds from one currency to another.
For the safety and protection of personal savings from inflation, money can be divided into three parts. For example, keep 50% of your own money in rubles and 25% each in dollars and euros. When the exchange rate of one currency decreases and the other currency rises, losses will be compensated. Interest on deposits will bring a small profit. This method will avoid default or crisis.
It is very profitable and reliable to keep money in different currencies. In addition to ordinary ruble and dollar deposits, banks offer multicurrency deposits. All your money will be kept in one deposit, but in different currencies and in certain proportions. The advantage of such a deposit is the ability to exchange one currency for another without restrictions at any time you wish. At the same time, the difference between the purchase rate and the selling rate is less than in the case of an exchange using the usual method at a bank.
You can invest money not only in banknotes, but also in precious metals - gold, platinum, palladium, silver. Banks offer to invest in compulsory medical insurance (unallocated metal accounts). To make a contribution to OMC, you need to go to the bank and buy the required amount of grams of metal. Your account will be credited not with rubles, but with grams of metal. It is recommended to invest in precious metals for a period of at least one year.
Unit investment funds - mutual funds allow you to invest money in stocks and bonds. The income is higher than that of bank deposits. A low entry threshold makes mutual funds available to anyone. You don't need any special knowledge to buy stocks and bonds. The management company is engaged in the investment of funds. You just need to choose which investment fund to invest in.
You can also invest in securities on your own. The value of securities on the stock market changes every minute. The investor can independently choose where and when to buy certain stocks and bonds. Trading in the stock market can enrich an investor, or it can go bankrupt in one day. Therefore, in order not to lose all the money, it is necessary to have the appropriate education, skills and experience.
The most reliable and promising investment of accumulated funds is real estate. There is always a demand for housing. Having bought an apartment, you can rent it out and earn income. After a few years, you can resell at twice the price. Keep money in a bank deposit only if you are going to buy something. Therefore, all free money should be invested in real estate. Let it be an inexpensive garage or piece of land. As soon as you save up more money, buy a dorm room, then an apartment, and so on. Remember that real estate will be valuable under any circumstances.
When the financial crisis hits, don't try to get all your money back. You may lose part of your accumulated funds. Think and calculate the possible risks. During a crisis, you can invest money very profitably. The most important thing is to diversify your investments, use different financial instruments. The right investment will reduce the chances of losing all your money and generate high returns.
