The most disadvantageous way to keep money is to let it sit still. The point is not even inflation, which annually depreciates some of the capital, but that money is a tool with which you can not only save your funds, but also multiply them.
Instructions
Step 1
Investing money is at least an effective way of storing it, which allows you to protect capital from inflation and financial crises. However, investing funds also provides more opportunities, makes money not lie dead weight, but make a profit. Naturally, the efficiency of investing money can be different, as well as the financial risks associated with it. In case of unsuccessful investments, you can not only get nothing, but also lose existing funds. On the other hand, the size of the probable profit directly depends on the degree of risk. At the moment, there are several of the most popular ways to invest money in Russia:
- bank deposit;
- precious metals;
- the property;
- mutual funds;
- securities;
- currency exchange Forex.
Step 2
Opening a savings account in a bank is a good option for people who are not looking for high profits, but who are trying to keep their funds. As a rule, the interest on bank deposits only slightly exceeds the inflation rate, therefore, one can speak of any significant income only when investing large funds. Please note that bank deposit insurance guarantees a return of an amount not exceeding 700 thousand rubles. When choosing a bank and type of deposit, carefully study the conditions for calculating interest, the possibility of replenishing the deposit, penalties for early closing of the account.
Step 3
Gold, silver and platinum are metals, the value of which is recognized by all mankind. However, they can be considered as an alternative to a bank deposit, since prices on the world market for precious metals change rather slowly, that is, it will not be possible to get a quick profit. But if you want to keep your money safe for a long time (5-10 years), then precious metals can be a good option.
Step 4
Investing in the real estate market is a great way to increase capital. As an example, we can cite the fact that the price per square meter of housing during construction and after the commissioning of a house differs by about one fifth. That is, by investing a million rubles at the construction stage, after its completion, you will receive 200 thousand profits. Of course, you need to be very careful when choosing a developer so as not to end up with unfinished housing in your hands. By the way, renting out real estate brings a stable additional income that allows you to recoup your investment in a relatively short time.
Step 5
The securities market is a dynamically changing structure, thanks to which some people make millions of dollars, and some lose everything. You can play on such a market on your own, or you can entrust your funds to investment funds, which will try to multiply your investments. However, you should not expect a guaranteed profit, since the element of risk is present in any game, especially since the profit of mutual funds is not directly related to your income. In principle, the above applies to the foreign exchange market, where players try to get income from the difference in exchange rates. Forex often conducts training seminars where you can get a basic understanding of the mechanism of making a profit.
