A small inheritance or a win in the lottery, money accumulated over the years of work - many people do not want to spend all these funds, but to preserve and increase. However, lack of investment experience sometimes leads to mistakes. They can be avoided by a thoughtful approach to the issue of investing savings.
Instructions
Step 1
Most people bring their unspent money to the bank. If you choose it wisely, then in this way you can not only save money from inflation, but also give them a little growth. It is better not to count on high interest rates: a bank that promises fabulous profits is likely to turn out to be a dummy.
Step 2
A weighty argument in favor of a bank deposit is the only investment method that is insured by the state today. In case of bankruptcy or revocation of its license, the law guarantees the return of deposits within 700 thousand rubles. Therefore, experts recommend that a larger amount be divided into parts and placed in different banks. For people with more modest income, credit organizations offer deposits in the amount of 5,000 rubles or more. True, to see the effect of such an investment, it will take a lot of time.
Step 3
Experienced investors choose multicurrency deposits and play on the difference in rates as a result of the unstable situation in the USA and Europe. But such manipulations require a good understanding of market processes and a solid amount of the deposit.
Step 4
Investing in gold is also recommended only for people with high financial literacy. The cost of this precious metal can fluctuate very strongly, and the owner of an impersonal metal account needs to make operational management decisions. But keeping money in gold is worth it if it is postponed for a long time.
Depersonalized metal accounts start from 1500-2000 rubles on average, but the state does not guarantee the return of funds in case of an emergency.
Step 5
Investing in stocks these days can hardly be called a coup. Rosstat now and then reports a drop in the growth rate of industrial production. This means that choosing assets will have to be very thoughtful. To do this, you need to be trained and be ready to risk money.
Step 6
The same can be said about deposits in mutual funds and trading on the stock exchange. To preserve savings and make a profit, these options are suitable only for risky and confident people in their knowledge.
