Where to invest money: a review of the popular investment tools
A miracle happened: you satisfy all their needs and have found that you got free money! And immediately in front of you there is a question - where to invest money? After all, give them calmly lay under the mattress is up sloppiness! The theme of "where to invest money" is devoted to a great number of materials, targeted for different categories of readers. This article gives a brief overview of the most popular investment tools available any more or less well-educated person, with a designation of their features.
Where to invest money: Bank deposits
Bank deposits (deposits) is the most popular way of investing free money, however, many do not consider this kind of investments the investment, calling him one of the ways to save money. The main feature of Bank deposits is a small but guaranteed income, as a rule, comparable with the level of inflation, and small risks of losing money. The state ensures the safety of deposits in the framework of a certain amount, so if we are talking about big money, it is better spread them on different banks. To a significant amount due to the Bank Deposit (for example, 5-10 million roubles), you can live a relatively good life, literally spitting in the ceiling, that is, not doing anything, but just removing the agreed interest.Where to invest money: real estate
This way of investment is more risky compared with Bank deposits. The financial crisis in 2007-2008, this is clearly demonstrated: the previous sequential growth in real estate prices (partly due to the fact that real estate has become a very popular investment tool) was replaced by the collapse or stagnation, depending on the region of its location. However, the income from investments in real estate can expect, and in two variants: from the sale of property at a price exceeding the cost of its purchase, and on its delivery in rent. At the present time a very popular is the purchase of real estate in the resorts (Spain, Bulgaria, Montenegro, other the countries of Europe and not only in Europe).Where to invest money: financial markets
A variety of tools in the financial markets is very great - run the eye: the stock market (market of securities - shares, bonds, futures, options, contracts for difference, and many other things), Forex (the foreign exchange market), commodity markets. Income from the investment of the money is formed due to the difference between the sale price and the purchase of a financial instrument, i.e. it is not guaranteed (except for bonds and dividends on the shares), so that the risks here there are considerable. In the financial markets can work independently (and for this you must to be good in the situation and keep track of news and events influencing the mood of market participants), and can be trusted with their money investment and financial companies (mutual Funds, asset management, General funds of banking management, PAMM-account and so on). It is believed that investing in the financial markets in Russia is not as developed as in the West, but the dynamics of inclusion of private investors in this sector are very promising.Where to invest money in themselves and their children
Yes, there is such a tool! Investment in yourself and children (education, health, image, recreation) - is an investment in their future. The money spent on these purposes, will be in a good mood, a feeling of fullness of life, high self-esteem and skills, which, in the end, will find высокооплаиваемую job or to start their own businesses and thus the return value for money with interest.Where to invest money: about eggs
There are, of course, other ways to invest free money (to buy currency; open metal account; buy gold, jewels, Antiques, paintings, invest money in the business). One of the basic rules of investing is the rule "do not put all your eggs in one basket". Speaking scientific language, investments should be diversified in order to achieve an optimal balance between income and risk associated with investing in this or that instrument. And then the money will work for its owner, and not Vice versa.
