Everyone is interested not to lose their savings during the next crisis, but to increase them. This can be done in different ways - by opening bank deposits or investing in securities, real estate and gold. All of these paths have their own advantages and disadvantages and should be used in different situations.
Instructions
Step 1
The easiest way to keep your savings and increase them a little is to put money in the bank, i.e. open a bank deposit. Its meaning is that you put money in the bank for a certain period of time and receive interest from the bank for using it. Thus, when you close the deposit, you withdraw a larger amount than you put in. Bank deposits are long-term and short-term. Usually, the more long-term the deposit is, the higher the interest on it. If you choose this method, remember that the interest rate is not always higher than the official inflation rate. Thus, when you close the deposit, you can get more money, but in fact it will cost less.
Step 2
The best way not only to save, but also to increase savings is investment. You can invest in real estate, securities, precious metals. If you have a fairly large amount on hand (at least several million rubles), you can buy real estate. It is steadily growing in price, so even the smallest apartment in a remote area of the city may turn out to be much more expensive in a few years than it was. You will be able to earn income from renting it out, and then from selling it at a higher price. Please note only that you will have to pay taxes when selling.
Step 3
Precious metals are characterized by stable, but slow growth in price. Therefore, many of those who have small savings and do not want to risk them invest in gold and other metals. This can be done through a bank by purchasing gold bars, investment gold coins, or opening a metal account with a bank.
Step 4
Those who are not afraid to take risks and want to multiply their savings at times, usually invest in securities. It is easiest for an ordinary investor to invest money through mutual investment funds - mutual funds. The meaning of investments through mutual funds is that the investor has the right to purchase a share of a particular mutual fund for a small amount (as a rule, it is 10-15 thousand rubles, sometimes less). The value of the shares will change, as the management company of the mutual fund will invest the funds received from the investor in various types of securities, creating an investment portfolio. Since the value of securities either rises or falls, respectively, the value of a share can also both rise and fall.
