best way to invest money, the novice investor
The question of investment funds from time immemorial, occupied the minds of the owners of not even a very significant capital. However, in addition to receiving the profit always there is a desire to ensure that their investments with a minimum of risk. But invest somewhere else entirely without risk is absolutely impossible even theoretically. Any caches can be found, the locks broken into, looted safe Deposit boxes, banks may go bankrupt or be deprived of the license, insurance companies simply “burn” and so on.
And here's to invest money and to ensure minimum risks - it is more the real challenge. And if we find, and the option of an ideal investment, then you can be guaranteed a good income. But where to invest and how to invest money is a purely private matter and depends only on the choice of a particular investor.
So, invest the money can be in the following companies: Bank accounts
This is an old and trusted sometimes method investments Finance, but it has a very low annual yield max=12-13% per annum, which will only cover the losses on the growing inflation. Suitable for the older generation with solid conservative views.
Goodies: guaranteed insurance state deposits (up to 700 000 $) and quite predictable income. The almost complete absence of risk.
Cons: of course, it's a low Planck interest rate.
Mutual Funds Investment Mutual Funds)
Investment funds managed by private sector companies. They accumulate the financial resources of private investors and create the overall Deposit. Then formed the portfolio of existing assets and, as a rule, it is shares or bonds of all kinds of enterprises. The management company, in the face of a team of professionals, independently performs the required actions on the stock markets and distributes profits among the participants. A rather attractive option, not requiring the investor of knowledge and practice of work with stock markets.
Income, for a sufficiently favorable many circumstances, may exceed the bar min=50%.
Goodies: strict state control of the activity. Even in the case of the complete bankruptcy of the selected Fund previously acquired shares remain within the property, that is, they can just transfer to another Fund.
Cons: relatively long period of input or output flows and unpredictable dependence on the vagaries of the economy.
PAMM-accounts
Perhaps, the most innovative, profitable enough and modern progressive tool of successful financial investment in the financial markets.
It is a peculiar form of direct trust management, that is when the investor transfers the management chosen by the Manager (trader Forex) of their personal funds. It is remarkable, that you can even choose a style of management. He may be conservative, moderate or aggressive, and the estimated potential yield. The best venue of PAMM-accounts in the CIS FX-Trend. (You can see how I invest money in ïàììû FXòðåíäà here)
Goodies: rapid onset, the absolute availability of the majority of people, very low input - all min=100$. Exercise full control over the current market situation, the rapid execution of any operations and other.
Cons: must be periodically monitored and, respectively, to adjust the portfolio, so this type of investment is suitable exactly for actively-minded investors.
Investment Companies
Investing in various investment companies is, in fact, trust management. Investment companies are working with the available borrowed funds in a fairly wide spectrum of financial markets and under certain favourable circumstances can bring a profit. However, requires a very careful selection of the companies, because there is the possibility of the start of the activity with just unfair ïàðòíåðêîé or blatant “powder scams”. (Here I show how to invest money, by his example, and here am report, where to invest beginners)
Pros: quick entry in the beginning of the case, a relatively low thresholds of the initial contribution min=1000 rubles and the possibility of a significant amount of income.
Cons: lack of possibility of inspection of the activities of the selected company, which gives the opportunity to fraudsters and specify the “imaginary” the direction of activity. Certain difficulties in the process I/o Finance.
“Gold” of investments
Quite attractive and reliable way to financial investments, but only in the long run. Options for proposals abound, and each shall have the right to choose a more acceptable.
Goodies: gold stable and will never go down. A perfect variant of long-term profitable investment.
Cons: the option is not profitable under small amounts of investments. The availability of taxation and a lack of prevalence.
HYIP
Very high-yielding, but very risky investment funds. As a rule, are divided into fast HYIP, middle-term and long-term.
Fast HYIP - it is a risky lottery. Their term of “life” not many more than a couple of months, but also yield exceeds the min=50% a month.
Medium-term live up to a year, and the yield of max=50% of the monthly max=30%.
For all its attractiveness and seemingly guaranteed high yield HYIP, keep in mind that HYIP is ordinary fulminant of the pyramid, where they win only their creators and the first registered.
The main disadvantage is a very risky investment funds.
Investing in a “foreign” business
Investing in a “foreign” business can be divided into two subgroups.
Investment in it is “someone else's” business in real life.
The subject of the investment can be absolutely any area of business, ranging from the trading tents friend at the vegetable market and ending with the participation of a large construction project.
However, all these ways of investments are very risky and, as a rule, are fraught with negative consequences, especially if you are not a direct participant in the activities. How to manage your investments friends and acquaintances, you know, and the probability of failure of their action is big enough. And at the worst variant of development of adverse events instead of the profit you will get legal proceedings with the “ïðîãîðåâøèìè” financial partners.
Not much better things with the financial participation in larger projects, such as construction or investment of money in large commercial or industrial enterprises.
Guarantees full protection of their bankruptcy, internal processing and conflicts with the state not give even a municipal enterprise. And the probability have “broken trough”, no less than when investing in private small business.
Investing in a “foreign” business on the Internet.
With a great desire and interest, you can find many attractive offers to invest your available financial means in various Internet-projects. This can be, and portal Systems of Active Advertising, web-sites of earnings in the Internet space, or just webmaster, engaged in the creation and promotion of sites, etc.
The dangers of fraud or complete non-fulfillment of the necessary commitments taken in this direction much more, than in real life. The Internet, as such, for all sorts of frauds always was and is the native element. And the impunity of the offense always prompted to invent new ways of deceit. So think of the glorious calls on some of the sites of the “successful” cooperation with the required level of skepticism, for real profitable projects is absolutely no need to praise the advertising.
But if you are interested in this variant of investment, and you are the owner of a large and active purse from the system “Webmoney”, you can try to test my abilities it is in partnership with the system, the more invest did not need, and the presence of electronic money in your purse greatly facilitates the task.
Loans WebMoney
This is the so-called «limit of confidence» in the electronic payment system Webmoney, which allows to certain conditions, one of the participants of this system with funds sufficient to personal purse, open the available credit limits to other participants. In addition, in this Webmoney a special service of credits, within which the system automatically traces the availability of funds required for the regular and timely repayment of required payments in the purse of the borrower and, respectively, writes off the necessary amount in the period, up to the total repayment of the loan (of course, with interest).
However, even in such a time-proven and clients of the system there is always the possibility of fraud among borrowers. Sometimes the final scenes of credit investment evolving in quite the classic scenario”.
You can continue to enumerate how to invest money, where to invest, but the above is the most common and sufficiently safe ways to try their strength as a novice investor.
And in conclusion it is necessary to remind you of the basic “rules of the security of the investment”, that is, a kind of “safety” for the novice investor.
The rules of your Investment Security
Following these simple simple rules will significantly reduce the risk of damage as a result of incorrect action in investments.
1. You are advised diversification of investments. That is, you should never invest all available available financial means in only one chosen by the asset.
2. Invest the amount that you can afford the relatively calmly and “painless” lose without serious consequences for the personal well-being.
3. Never invest borrowed or the last financial resources.
4. Don't take their final decisions under pressure, in a hurry, or vanity. And if the situation requires the immediate, “a hasty” decisions, it is always better from such investment to refuse, because it can and will not bring a profit, but the losses will deliver exactly.
