To live without financial stock on a rainy day -very rash decision. Even despite the difficult situation in the country, you can revise the budget of your family so as to start saving money, thus forming a financial safety cushion. Soon, the question of where to invest money at a high interest rate will inevitably arise, because experts do not get tired of repeating that finances should work and not lie dead weight somewhere in the closet.
Deposit as an instrument of accumulation
Bank deposit is the most familiar andsimple method of saving money. Unfortunately, only conservation, not multiplication. However, if your savings are still small, then you can use banks' deposit programs as a tool to accumulate an amount sufficient to invest in other projects. At the same time there is often a desire to invest money at a high percentage, because I want to get the maximum benefit. However, there is a simple rule on the banking market: young and little-known banks offer the highest interest rates, while old and proven organizations that survived the previous crisis keep a more moderate interest rate. Is it worth the risk of trusting your while little money to a one-day bank?
Of all the banks operating in our country,Sberbank of Russia enjoys global support and trust of investors. It is this bank that opens the largest number of deposit accounts, accepting deposits from the public. The maximum interest rate on ruble deposits is 9.07% per annum on a deposit without the possibility of replenishment and partial withdrawal. Is it possible to invest money at a high percentage in Sberbank? Of course you can. In this case, one should take into account the projected inflation for the entire term of the deposit. Get rich in deposit accounts will not work, but you can save and save money for future investments. In addition, the habit of postponing part of their profits disciplines, adjusts to the accumulation of capital.
Where to invest money at a high percentage: choose the type of investment
A deposit account in a safe bank is considered oneof the most risk-free, while the income is minimal. For many, peace of mind is more expensive than probable profit, although this cannot be called a progressive point of view. In many ways, this is due to lack of confidence in their own abilities or due to the lack of relevant knowledge and skills. Where else can you invest money at a high percentage to significantly increase your capital?
In most cases, experts suggest the following areas of investment:
- real estate and precious metals;
- securities (stocks and bonds);
- all kinds of mutual funds, PAMM-accounts, playing on the Forex currency exchange;
- own business;
- other types of investment.
Each of these areas is good in its own way, it carries its own risks and offers a different degree of profit. Consider all types of investment in more detail.
Investments in real estate and precious metals
There are short and long terminvestments. Real estate and precious metals are just a long-term investment and can actually bring good profit. You can invest at a high percentage by buying some amount of bank gold. The ingot should be stored in special conditions, since its unsatisfactory condition (scratches, dents) can reduce the cost of the sale. To say that the invested capital has increased significantly, it will be possible in ten to twenty years, or even more.
Approximately the same way is the casereal estate, however, and there are some nuances. The real estate market fluctuates, the fall in prices below the purchase price is one-to-one losses. It is also possible that the acquired property is located on the site that will be rebuilt. No one wants his investment to be demolished, this is an additional hassle and possible losses.
Investment in stocks and bonds
Securities have high liquidityespecially if you are lucky enough to invest money in a bank at a high percentage in reliable shares of a promising company or in profitable bonds. To calculate the reliability and profitability of such an investment, it is necessary either very well enough to understand the securities market, or to find a good investment consultant.
On shares, of course, do not pay fixedinterest, however, being a shareholder of a profitable enterprise, you are entitled to rely on your share of the profits. Dividends can be compared with high interest rates, in the end it is also a profit received as a result of investment. In addition, the promising company shares quickly and steadily grow in value.
Forex, PAMM and PIF
Trading on the Forex currency exchange mayturn out to be more than profitable, and it turns the head of many novice traders. Internet advertising says that practically nothing is needed - you need a computer, a certain amount of money for starting participation in the auction, and you will become a millionaire. You can profitably invest money at interest received as profit after the sale of the appreciated currency. In practice, most novice traders go bankrupt, failing to really understand the rules of the game. The likelihood of big profits here is adjacent to high risks.
PAMM accounts also belong to the Forex market, only in this case you entrust your money to the management of a more experienced trader, while relying on a part of the profits.
PAMM account is much calmer, all solutionsaccepts the manager, but the risks from this are not reduced. Here the human factor comes into force, the manager may be mistaken with the transaction, and your contribution will be lost.
UIF is a mutual investment fund.You can invest as a share through a bank, and you also need a manager or manager who will manage all investment matters. The risks here are somewhat less than in the Forex market, but the success of the investments in this case is also very unpredictable.
Own business
You can look for ways to invest money under highinterest per month and hope that the bank will not revoke the license, and inflation will hold in some decent framework. However, there is a more dynamic option - to open your own profitable business. Depending on the chosen direction of work, profitability can reach 300%, no bank will give such an increase in wealth.
Of course, you will need to first examine the issueinvest money and wait for the first time until the business goes to self-sufficiency. If the return on investment and self-sufficiency can be achieved within a year, this is a great start, but a longer period of three to five years is not considered a disaster, provided there is a stable development and a positive outlook.
