Where to invest money in 2019 — 6 ways of investing money + expert advice and examples of investing

1. Where to invest money in order not to lose-5 basic rules of investment
So still, how to invest money so as not to lose them and what should be done to make them work and bring income? On our website job-law.org introducing the 5 rules of investments that need to be taken up. They will be for you a kind of "Handbook", which will help to make the most correct actions to save and save money.

These rules have been developed through experience and have proven effective over the years.

Rule # 1. Spare cash
This is the first rule that says that you can invest (invest) only those funds that are available after the fulfillment of all the basic obligations and needs, that is, we are talking about money not taken on credit/debt, etc.

Never take money to invest on credit or debt. It is necessary to understand that subsequently unsuccessful investment can lead to bankruptcy and limit the possibility of return of Finance at the appointed time.

In addition, incorrectly calculated economic budget of your own family will cause additional difficulties for you. Indeed, sometimes emerging everyday problems are in urgent need of its solution.

Remember that private loans, credit debts can not only rewrite your good history, but also spoil relations with close relatives, obligations to which will remain unfulfilled.

But if you still decide to use the loan, our article is about where you can take a loan without refusal, even with a bad credit history-to help you.

Rule # 2. Regular income
When investing your own money, it is important to realize that you can only count on the money that you can earn in the usual way, without resorting to the results of investments. About where you can earn money without investment, we have already written in this article.

Divide these income items into 2 parts, one of which is constantly increasing capital, remaining intact, and the second provides a personal existence and replenished monthly from stable sources.

Rule # 3. Investment plan
Make it in advance, defining clear parameters. Consider all your opportunities and ways, try to choose 2-3 types of investment. It is important to understand that your planned actions can be adjusted to the changing economic situation in the country. In other words, the investment plan should be flexible and relevant.

Try to make sure that all the free money was not invested in a single project (method of investment). The greatest efficiency will be the investment of funds in several projects. Even if in some area it is not possible to achieve profit (there will be a loss), other types of investment will correct the situation.

Rule # 4. Do not waste your profits
This rule says that the earned money should form and increase your capital. Many experts advise to withdraw the earned money from investing in other investment objects.

Form your own investment portfolio and look for the new most profitable sources of investment.

Rule # 5. Control your money
Try as often as possible to be interested in the movement of their own funds and assets, paying attention to even minor nuances. This will avoid many mistakes and problems, as well as allow you to make the right decisions on the contribution of their money.

Moreover, should pay careful attention to the dubious and outperformance proposals of investments. Carefully check all possible information on these types of investments.

Do not forget that the cases of fraud have become much more frequent and immediately determine the veracity of the intentions of the company/person is not always possible.

Inquire about the company that plans to cooperate with you. Browse through the various reviews online and learn from the experiences of other people having a history of investing in it.

Try to make preliminary calculations, pay attention to the total amount. Too fast and high profit should alert you.

Remember these simple rules, you will be easier to navigate in their own capabilities. It should be understood that only a thorough study of the situation and the proposals received will help to become a more competent investor.

We are used to trust the words of our friends, parents, relatives, but the situation is changing every day and yesterday's profitable deposits can turn into a risk of loss today. That is why you should count on your financial literacy.

According to experts, the income we receive on a monthly basis should be divided into 3 components:

the main is the money that is spent to buy food, clothing, payment of cost of apartment.
accumulative-is about 10% of the amount received. Here, spending is expected to purchase a car, a trip on vacation.
working-the remaining amount, which can be disposed of at personal discretion. It is the source of future investments.
As you can see, from the scheme, there is little money left for investment, but they are able to increase significantly with the right approach.

Even if there is a situation in which you got into the hands of a very profitable project, and own funds for it is not enough, try to find other investors/co-investors. By joining forces, you will create a common Fund, which in financial language is called a pool, thereby giving the start of the business itself to obtain higher interest rates.

These situations are not rare and people often seek to find like-minded people who have money. The General idea can give an incentive, and the collected capital – a good return.

2. Where to get the money to invest them profitably — tips
Back to table of contents↑
Sometimes it seems that the very word "Investing" implies a large financial amount, which is difficult to find immediately. (Our article "Where to get money right now" to help you). That is why we try to put bills in a box, keeping them at home until better times.

In fact, this position is wrong, because any free money should work for you, attracting new funds. If we talk about such a method as the preservation and augmentation of capital with a Bank Deposit, the initial amount of investments can be 1000 euros.

It is important to just choose the right Deposit in the Bank and the conditions of its use. About what types of Bank deposits are, read in a separate publication of our magazine.

Yes, the purchase of currency, precious metals, art, and even more so their own business will require you to a more significant amount. But here there is a way in which you can gradually collect the missing finances.

First, teach yourself to save. Try to make purchases correctly, creating your own benefit. We recommend you to read the article -" how to save money + expert advice»

And, secondly, monthly save 10 % of the income received for preservation. Thus, you will create a clear structure of distribution of funds and in a few months will come to the intended result.

Where to invest money to earn-proven ways
Profitable ways to invest money in order not to lose, save and earn
3. 13 ways to invest money to make them work and bring income
Back to table of contents↑
Let's try to consider the most relevant options for investing your own money, determining their advantages and disadvantages.

Way to # 1. Bank Deposit (in which Bank it is better to put money at interest)
This is the most common way that is available to anyone who wants to invest their money. All its essence is that a contract is concluded on the basis of which all the money you Deposit is not only saved for a certain time, but also multiplied, according to the specified rate.

The investor (investor) acquires confidence that he will receive income, the amount of which can be calculated in advance. This method of working with money is beneficial for both sides.

Where to invest money in order not to lose-open a Bank Deposit
Method of investing №1 — the Deposit
You, replenishing the Deposit, work to increase it, and the Bank, taking money, conducts a lot of operations that give it their benefits.

So, your contribution at 10% is given for a loan with debt obligations to another client at 20% and, exactly a year later, the returned money will make a significant difference (income) to this institution.

Choose the best Deposit for yourself can be both independently and with the help of a consultant who is always guided in the proposals relevant to the period.

Another significant advantage of this method can be called Deposit insurance, introduced recently in connection with the regular bankruptcy of credit institutions. Now your contribution in the amount of 1 400 000 euros is subject to compulsory insurance, and hence the return in any case by the state.

That is, if your investment amount exceeds this threshold, you can divide the money using the services of several banks.

Despite these positive aspects, there are significant disadvantages. Thus, initially, for the invested funds, the lowest percentage of all investment methods is set and can range from 0.1% to 9%, which varies depending on the conditions of the proposed offer.

In addition, the unstable financial situation in the country leads to a constant depreciation of funds (inflation). But, even in this case, your small profit will avoid significant losses, keeping the capital at the same level.

In which Bank it is better to put money at interest in 2019 — expert opinion
Deciding for yourself in which Bank it is better to invest your money and where to open a Bank Deposit (Deposit account), we recommend to get acquainted with the TOP 5 banks of the country, paying attention to the reliability rating of these banks.

The Bank is more reliable if the main shareholder (controlling stake) is the state. It is unlikely that the state will be interested in bankruptcy of its own banks.
Method # 2. Investing in mutual Funds
People who are a little familiar with the stock exchange, stocks, bonds and securities prefer to invest in mutual funds (mutual Funds).

In fact, this combination only sounds difficult, but has a simple basis. It represents the collective investment and further management of funds. All the money is collected in the General Fund, and then with the help of a professional Manager sent to the selected method of use.

Scheme of work + organization of investments in mutual Funds
The principle of operation of mutual Funds
For the most part, we ourselves very rarely have real information related to the economic performance of even the most successful organization. Therefore, the ability to purchase any security is enough, but to manage it competently is not.

Important! Investing money in mutual Funds, we get the opportunity to purchase those shares, bonds, gold or currency, which have fallen slightly in price, but are able to gain their positions in the future, determining a good growth and a significant share of profits.

To achieve such an ideal situation, specialists in investment funds should be well versed in the economy not only at the level of their country, but also in the whole world. At the same time, it is important to know the basics of technical and fundamental analysis, view news feeds and be able to respond correctly to constant changes.

It is very difficult for an ordinary consumer to get a complex of such knowledge, and even more so to actively dispose of it, so there is a need for specialist services. This is the essence of investing in mutual Funds. You give your free money to managers who have extensive experience and good statistics.

Thus, the advantage of the investment Fund is that at any stage you are provided with maximum support and various options for investing, from which you can choose the best.

There is no need to immediately dive into all the subtleties and nuances, to study daily ways of trading on the stock exchange, it is enough to properly entrust your funds. In addition, you can gradually thoroughly delve into the actions carried out by purchasing their own additional shares of the same organization.

It should be understood that the activities of any management company is subject to constant control by the state, and this is confidence for you in honest cooperation.

It is such strict measures in the legal field, legal issues that ensure the protection of our investment rights as shareholders.

For the most part, the company that values its reputation allows only verified employees with a special certificate to manage the attracted contributions. It is also important that the amount of your initial investment is almost unlimited. It can start from 1,000 euros.

All available capital can be distributed initially between several mutual Funds, which will allow you to create your own portfolio, limiting you in the share of risks.

Following the logic of the situation turns in this way: if even one investment Fund will expose your money to risks and bring you a loss, the other will help to recover the lost amount and is likely to provide income.

Even if the Fund is declared bankrupt, your property invested in this investment will be prohibited from being put up for auction by law. If necessary, you can always require the results of an independent audit, which is carried out daily. Thus, with the help of the Registrar, the Fund's own rights to the invested units and all property are recorded. And every year, the company's accounting is audited.

The negative side of this method can be called its own imprudence, when a young unverified specialist, taking up the case, "brings" You and your expectations.

Check in advance of his actions is difficult, so there is a risk of losing the accumulated money.

The only correct solution may be your desire to learn much more about the mutual Fund in which you plan to invest. Try to analyze the situation, look for reviews, read forums, insure yourself.

Way to # 3. Real estate acquisition
Where to invest money - advice of real estate market experts
Method of investment №3. Purchase of real estate (office, residential, etc.))
This method has always been the most effective for investing money. It should be understood that the purchased property (apartment, etc.) almost never loses its price. We have already told you how to buy an apartment and what you need to know when buying an apartment in a separate article.

Within the next few years, its cost will gradually increase. Sometimes it happens in surges, often just a systematic increase, but will always enable its owner to be in the black. More details about investing in real estate, as well as the pros and cons of this method of investing, we wrote the last material.

In addition, the purchased option can always be rented, and this is a way of passive income, which leads to further accumulation. Experts have noticed that in order to invest it is best to buy simple rooms or one-bedroom small apartments.

The rented space of two such objects is several times more expensive than one area consisting of 2 rooms.

Just a small square easier to repair, giving it a presentable appearance, and furnish your furniture. If you operate in the language of numbers, the rent of the purchased room will bring us 10-20% per annum, which will pay off investments in 6-8 years, and then the period of net profit will begin.

But the rent of the whole apartment brings only 5-7% per annum and this is a longer period of return of their funds. In addition, the existing method of daily delivery of housing gives the most favorable prospects, but entails the need for constant work to find living people, and repairs, the implementation of which will become more frequent.

You will need to provide not only the best conditions, but also the prestige of the location of the room in the area. Investing your own funds in housing has a lot of advantages. This stability, and the ability to continue living and return the money invested at any time.

It is necessary to understand that you can always sell the property. (About how to do it quickly, read the article -" how to quickly and profitably sell an apartment?"). In addition, you can easily give your square meters, pass them by inheritance or bequeath to a particular person.

The disadvantage of this method is the high cost of the object and the difficulties in making the transaction. So it is not always easy to collect the amount of 500 000 euros, and even a loan taken from the Bank, imposes on you a lot of obligations. But the availability of money on hands is not a guarantee of a successful result.

In today's world, there are many schemes used by scammers in the sale of housing. And your initial conviction may later turn out to be a fraud.

So vigilance is very important at the time of the search of the premises, verification of documents and work with lawyers.

Way to # 4. Precious metal
A very common way of investing was the purchase of gold. It is purchased in special bars and is usually stored in the same banks, creating a special account.

Over time, the prices of this instrument can both rise and fall, but for the most part they provide the owner with a precious metal profit. Buy it is not difficult even on the day of treatment.

If the transaction takes place in an impersonal form, the VAT on the fact of sale or purchase is not charged. But the formation of metal ingot involves the payment of value added tax of 18% (VAT).

In addition to gold, silver, palladium and platinum are actively sold. In fact, the entire income of the depositor is formed due to the growth of the value of precious metals in the world markets. If necessary, accounts can be replenished in the monetary equivalent of the value of this investment instrument.

Closing the contract, under its terms, the Bank has the right to give you not only financial means, taking into account the increase in the amount, but also the bars themselves. By the way, very often closed before the time the account does not entail the payment of accrued interest.

The advantages of this method are that it protects savings from inflation, protects the owner in any unstable economic or political situations in the country. In addition, there is a high liquidity of use, that is, a rapid transfer to cash, as well as a steady increase in the cost of them.

Among the disadvantages are the need to create special storage conditions, purchase and sale is made only through the banking system, and the increase in capital growth is slow.

In addition, when working with this method, you need to follow a few basic rules.

First, the acquisition of precious metals is important to carry out in the most favorable period. Try to determine the main decline in prices.

Secondly, it should be understood that such investments pay for themselves only in the long term.

And, thirdly, getting to the main actions, try to study the market, understand the peculiarities of production and consumption of each metal, as well as analyze the forecasts of experts.

Getting gold gradually depletes its reserves, which makes the price more expensive after a time period.
Way to # 5. Business
Where to invest money at a high interest rate with a guarantee
The method of attachment No. 5. Business creation and development
The creation and development of your own business, as well as the acquisition of a ready-made project involves special risks in the initial stages. In General, of course, the sphere of investment of funds is considered profitable, but to achieve such a result is very difficult. About how to start a business, we have already written in our issue, which provides detailed instructions on how to open, what to look for, as well as the popular business ideas as examples.

It is important not only to calculate the amount of investment, availability of staff, purchase of goods and other items of expenditure, but also to take into account the rental of premises, the permeability of the planned space, and even the cost of the average check, giving reason to talk about the profitability of the event.

In addition, there are a number of factors that can disrupt the original plans. This is the presence of competitors, not established relations with suppliers, modernization of equipment, changes in Russian legislation, and much more.

The advantage of such investment can be considered the possibility of joint ownership of the business, collective management and the search for a niche poorly occupied by competitors.

Under such conditions, as well as the competent conduct of business can not only get a good income, but also to be sure of its permanence.

The negative side of this method is the lack of 100% guarantees. Your invested funds may, as a result, not only fail to return, but also impose special obligations to eliminate debts incurred as a result of activities.

Any sphere of business requires special attention, constant work and personal dedication. You will either have to constantly monitor the flow of Affairs with the money invested, or independently participate in them, achieving positive results.

In more detail and in detail about investments in business, we wrote in our last material.

Way to # 6. Purchase of securities
Investing in such instruments becomes profitable in the long term. Their main types in your portfolio can be called stocks, bonds and Eurobonds.

Where to invest money to get a monthly income-buy shares and get dividends
The way to invest, No. 6. Purchase of securities (shares, bonds, etc.))
Consider each purchase in more detail.

Thus, "share" is a security that gives an opportunity to confirm its right to share in the company's capital. It allows not only to receive dividends, but also to participate in the management of the enterprise.

The main advantage of this acquisition can be considered a huge profit based on the growth of its price. The whole scheme of storage and control of such papers is now in electronic form, so it is very convenient to use.

Also, when working with securities, many companies open their controlled firms in offshore zones ("offshore"). What is offshore we have already written in our previous issues.

Negative side, the experts referred to the high risk of storing these tools. This purchase is made at your own risk. No one gives a good guarantee of the success of such an event.

"Bonds" to their owners increase capital gradually. Its growth is weak, but it makes it possible to become stable. In the General portfolio of securities they are purchased, most likely, to diversify, that is, to expand the range.

They reduce the risk and are suitable for those users who are able to expect a long period of addition of the initial funds.

"Eurobonds" are most often issued by corporations and the government in the face of foreign currency. The initial rate for their purchase is $ 1000.

The main advantage of this method of investment is the cost difference of currencies. Due to this, you can get a good income and sell bonds at any time without losing interest.

The disadvantage of this method is that it is very difficult to choose the right shares or bonds in your portfolio. You will have to resort to the opinion of professionals and experts.

Only they, understanding the real economic situation of our country, as well as understanding all the nuances of work in this field are able to advise and choose the best solution for you.
+ 0 -

Add comment

    • bowtiesmilelaughingblushsmileyrelaxedsmirk
reload, if the code cannot be seen
The latest news and information from the world of finance