1. Investing in yourself. By investing in yourself and your knowledge, you increase your value in the market. However, there is one catch here. By acquiring only knowledge and not putting it into practice, you significantly reduce your potential value. The maximum efficiency is achieved by those who receive knowledge and put it into practice. Invest in the knowledge you need at the moment to achieve your goals.
2. Bank deposits. Bank deposits are the most conservative instrument, it is also the most stable and guaranteed, moreover, deposits are up to 700 thousand rubles. insured by the state (we are talking about Russia). Bank deposits train very well the habit of regularly saving money, which is so useful for a novice investor. In addition, it is psychologically easier to start investing here, because the depositor knows in advance all the conditions and what profit he will receive in the end, without fear of losing anything. Bank deposits are good for creating a so-called financial cushion, despite very low interest rates and inflation.
3. Investments in mutual funds. Investments in mutual funds - mutual funds, until recently remained the easiest to master and affordable way for many to accumulate capital. And now they still remain very attractive to investors. There are both conservative and moderate and aggressive investment options. Investments in mutual funds are designed for the long term, and their profitability is highly dependent on the current economic situation. Pros: the activities of the funds are regulated by law and are very tightly controlled by the state. Even in the event of the bankruptcy of the fund, the shares you have acquired remain your property, and you can transfer them to another fund for management. Cons: extreme inconvenience of acquiring shares outside of million-plus cities, lengthy deposits and withdrawals, dependence on the economy.
4. Investment in gold. Investing in gold is perhaps one of the most reliable investment instruments in the long term. If you look at the chart, gold rises in price when the economic situation is unstable and falls when it is stable. Over the past 10 years, the price of gold has grown 6.8 times! Gold reserves are limited, which increases its value. According to some analysts, gold may become a good alternative to paper money in the future. Pros: Gold never depreciates and is good for long-term investments Cons: As a rule, not profitable for small funds, taxation, low prevalence
5. Investments in PAMM-accounts of the FOREX market. The most innovative, highly profitable and progressive investment tool in the financial market. PAMM accounts have appeared relatively recently. This is a form of trust management, in which an investor gives management of his funds to managers - traders in the Forex market. Here you can choose a management style - conservative, moderate or aggressive, as well as potential profitability. With competent portfolio investment and compliance with certain rules, it shows very good returns. Pros: quick start, accessibility for the vast majority of people, low entry - from 100 rubles, full control over the current situation, the ability to limit losses, the ability to close an account at any time, change / add managers, quick deposit / withdrawal of funds Cons: the need to periodically monitor and adjust the portfolio, i.e. this type of investment is more for active investors.
6. Investments in Investment Companies. Investments in investment companies are, in fact, trust management. Investment companies can work with attracted funds in different markets - Forex, mixed investments, venture investment, etc. With this type of investment, careful preliminary selection of companies is important, since on the Internet there are a lot of, so to speak, scams, fakes. And not to fall on the hook of an unscrupulous company is the task of a competent investor. Pros: quick start, availability for the vast majority of people, low entry - from 1000 rubles, regulated predictable income (as a rule) Disadvantages: there is no way to check what the company is actually doing, due to the privacy of data from customers, in connection with which there is a possibility of "getting" into imaginary activities; not always convenient deposit / withdrawal of funds.
7. Investments in real estate. If you have a large amount of money, then probably the first thing that comes to mind is to buy a property, rent it out and receive stable passive income. And if you consider that real estate, as a rule, rises in price from year to year, after a while you can profitably sell your object. Thus, income can be obtained: from the rental of real estate and from the resale of real estate. If you do not have a large amount, then access to real estate investments will be closed for you. As a way out, you can invest in real estate mutual funds, but such mutual funds have their own and features. Real estate is understood not only as residential premises. It can also be a warehouse, office, commercial real estate, not only in our country, but also abroad. Many people who have such an opportunity buy apartments abroad, can go there on vacation, or rent them out for a while while they do not live. Pros: stable regular income, investment reliability. Cons: high entry threshold, low liquidity, the amount of income can vary greatly and depends on many factors.
8. Invest in emerging markets. It is almost impossible to give precise recommendations in this regard, but if you traveled a lot, you would notice how many restaurants and hotels are being opened, new factories and plants are being built, and jobs are being created. They say that in Brazil it is good to choose a place in the sun. Russia is good for Western investors, but they are still afraid of political risks and a coup d'etat, with which they deliberately scare their millionaires away from our potential. The good thing about emerging markets is that they are very risky for investments, but in general they turn out to be more profitable. In emerging markets, it is ideal to invest big money for large investment projects.
9. Promotions. Investing in shares of Russian (and foreign) enterprises is one of the most profitable forms of investment (and also quite risky). The risk is that the market value of the stock changes in a direction that is unfavorable for you. That is, stock prices can not only rise, but also fall. Stock market prices are subject to day-to-day fluctuations. You buy shares with the expectation that in the future their price will rise and you can sell the shares at a higher price.
Only professional stock market participants have the right to make transactions with shares. These organizations are called brokers and must be licensed to carry out brokerage activities. The license is issued by the Federal Service for Financial Markets (FFMS). That is, activities in the stock market are regulated by laws (as opposed to the "Russian" Forex).
In order to buy and sell stocks yourself, you need to learn special knowledge, that is, be able to evaluate whether the stock prices will go up or down, when to buy, when to sell, and so on. You need to be aware of events in order to quickly respond to what is happening.