Competent investment. How to start investing from scratch? Investments from scratch for dummies. Buying securities

Cash with time is depreciated, that is, they lose their purchasing power due to inflation. This process is constantly going on. That is why to keep their savings under the mattress is unprofitable and unreasonable. Funds need to be profitably invest. Only in this case can be saved and multiply.

It is not necessary to think that only wealthy people can attach money in Moscow or other city. Each person should be able to correctly dispose of their savings. At the same time, the main danger for any investor is a shortage of information. That is why you need to study in detail the experience of successful people, the main rules for investing money, the opinions of experts and so on. Start your way stands with reading this article. If you are interested in information about how to work properly with online investments, then proceed by reference. Important:return back, there is a lot of useful here!

Basic principles of investment

There are 5 basic principleswho should adhere to every person who wants to get a good return on money attachments with the least risks. They are formulated taking into account the experience of leading global investors. Ignorance or disregard by these rules may be expensive. We will analyze every principle separately.

Principle 1. Create a financial pillow.

Without a certain financial base, the investment of money is strictly prohibited. Exception is only a bank deposit. After all, it is rather not an investment, but a savings tool. Investments are often associated with risks, investing money you should be understood that there is always a chance to lose them.

What is the financial pillow and how to create it? We are talking about a six-month money of money, for which you and your family will be able to live, keeping the usual standard of living without other sources of income. To create such a pillow, you need to regularly postpone financial revenues (for example, salaries) or sell available property.

If your family spends 50 thousand rubles a month, you need to collect at least 300 thousand rubles. Only after that it is worth thinking, in which you can find money.

It is worth noting that a profitable investment of money can be engaged without a financial pillow only in the presence of passive income. They are called the flow of incoming means, independent of daily efforts. It may be income from its own business, renting apartments for rent or dividends on shares.

Principle 2. Diversify invested money.

For money to work correctly, think about what can be investigated to comply with the principle of diversification, that is, separation by different tools. This concept is probably familiar to you. In other words, it means "not to put all the eggs in one basket." After all, if she falls, you will remain with anything. The same thing will happen to your means if they are invested in one project. Always adjust the investment portfolio: for example, your investments have grown over the year in one of the industries. Then you need to add a part of the money to other projects so that investment finances do not accumulate in the same area.

Diversification involves investing money not only in different financial instruments, but also in the industry. For example, if the funds are invested in the stock market, form your portfolio so that they work in companies in different sectors.

What is the investment portfolio? It is a combination of all assets of the depositor. If you have invested in business, stocks, real estate, all these profit extraction tools will be called an investment portfolio.

In order for it to be as resistant to market changes, it is recommended to distribute savings between banking, oil and gas, industrial, agricultural and food sectors. If one sphere will endure losses, the rest "stretch" means to the top and will not give the investment portfolio.

Principle 3. Control risks.

Risks are the main problem with which absolutely all investors are faced. Before you invest money, think how many investments can be lost and where you can compensate them. Only after that it is worth predicting possible profits.

Unfortunately, novice depositors make the same mistake. Overestimate your strength and experience, they immediately choose aggressive investment instead of investing in more conservative tools. As a result, the depositor loses all its savings.

Profitable investment of funds is the same science as any other professional business where a serious approach is required. That is why evolving in this direction must be gradually moving from simple to complex.

Start with 100 or 1,000 dollars. Do not invest large amounts, especially in what you know little about. Never take loans or loans with the hope of multiplying them in some kind of superior way. In 99% of cases, it ends with the loss of the entire amount and debt obligations. Agree, no one wants to stay in debt on 500000 or even 1000000 rubles

Thus, you should not hurry. Future millions will not run anywhere if you spend time to become a good specialist in this area. Otherwise it is impossible to earn a lot of money.

Principle 4. Attract the co-investors.

As experience accumulates, the funds can be inserted together. So you will get more features and you can choose the most profitable investment.

For example, you know about a profitable and reliable project or tool, you have free funds, but they are not enough. Then it is worth finding people who are ready to support this investment idea and to invest in the parity principles with you.

Recently, trading bills have become a fairly common topic. In this case, people transmit their savings to the professional manager to confidential control. At the same time, it cannot dispose of them on the right of ownership. Funds can only be used to extract profits. The percentage of her manager receives as a remuneration for good work.

Thus, several investors can create a trading account and transfer it to trust management. All risks they take on themselves proportionately invested money. At the same time, depositors can agree with the manager that it ceases to work upon receipt of losses in a specific percentage ratio.

IMPORTANT: If you summarize this scheme, you can see that experts converge in the opinion that the investors are better to donate, for example, 15% of their savings to earn 30%.

Principle 5. Create passive income.

Increased capital is very good. However, it is equally important to create a passive income from investment actions.

Suppose you have invested 100 thousand rubles in 2018, and after 1 year, in 2019 they received 130 thousand rubles. In this case, the earnings are 30%. But there is no guarantee that next time you get the same amount. It should be borne in mind that the yield of 30% is much better than banking. This means that the risks are higher. If something goes wrong, you can lose all savings or most of them.

Tip: On the other hand, if for 100 thousand rubles you could create a passive income (for example, the same 30 thousand rubles per year), you can easily take a loan for the same amount. These funds should be attached more conservatively. Active and passive income will be a guarantee of returning a debit money.

What amount can you start investing funds?

Start investing savings in Moscow or any other city of the country can be from any amount. If you chose a bank deposit as an investment instrument, earnings on the Internet or shares, it will be enough even 100 rubles.

What if there is no money at all? In this case, you need to start postpone at least 10% of any income. Thus, the habit of creating a financial reserve will be formed. As the savings increases, they will increase in proportion to increase. Invested cash will work, and you are to rest.

It is about to postpone cash, all the well-known people who teach the proper handling of finances and will be shown on their example where it is better to invest. These include Bodo Schaefer, Brian Tracy, Warren Buffett, Robert Kiyosaki and others.

Unfortunately, many people with an increase in their income are beginning to spend even more. Some even take loans, because they all lack money all the time. In this case, it is impossible to become a successful investor and earn the desired amount. That is why it is necessary to constantly monitor the balance between income and expenses, live by means.

Where to invest money so that they work?

Today you can find a lot of information about where to invest. There are both traditional and more modern methods.

Banks

Bank deposit is the most popular way to invest your money. However, the resulting income is barely comparable to inflation.

The advantages of this method include:

• high reliability;
• high liquidity;
• minimum threshold for money investment;
• simplicity and understandability of the investment tool.

Disadvantages of the bank deposit:

• low yield;
• loss of interest in the early removal of funds.

The property

You can invest money in residential or commercial real estate. Of course, in the second case you can earn more. However, large knowledge is required to buy commercial real estate.

Pros:

• the opportunity to make money on the difference between the cost of buying and selling;
• the ability to receive passive income, renting real estate for rent;
• protection of funds from inflation;
• the ability to invest in real estate for your own needs.

Minuses:

• low liquidity;
• high input threshold;
• object exposure to mechanical damage.

Food investment funds

Such organizations are one of the forms of collective investment and use private individuals. In other words, mutual mutages take the money of shareholders and acquire the shares of certain companies for them. The resulting profit is distributed proportionately to the contributions of the participants.

Pluses of mutual:

• interest on the results of the reporting period is often higher than in the bank;
• large selection of investment tools;
• small initial amount for investment.

Cons of mutual:

• the complexity of the investment process compared with bank deposits;
• relatively large risks.

Trading accounts (Forex market)

In this case, the money is transferred to the management of a professional trader. It makes currency transactions in the Forex market. At the same time, account owners can control their savings and, if necessary, stop the work of the manager and withdraw the money earned.

Pros:

• small entry threshold;
• high yield;
• the possibility at any time to change the controller;
• the possibility of outputing money at any time;
• no need for special skills and knowledge.

The only minus trade accounts are high risks. Each manager can lose funds regardless of its experiment.

Binary options

In this case, the trader determines whether the value of the basic asset will be higher or below its current price by expiration. If the forecast comes true, it makes a profit. Very simple and fast way of earning, however, the risks are appropriate: without a clear strategy should not mindlessly invest.

Pros:

• large selection of trading tools;
• the possibility of planning potential profits;
• the ability to trade anywhere and at any time;
• simplicity and short-term trade;
• small input threshold.

Minuses:

• high level of loss;
• the lack of the possibility of early closure of the transaction.

Issuance of microloans through the stock exchange

In this case we are talking about P2P lending, that is, when ordinary citizens are a lender and borrower. They cooperate through various exchanges without the participation of banks.

Pros:

• installed a small input threshold;
• the lender independently decides who and under what conditions to issue money;
• access to the system and work with clients are carried out around the clock;
• the lender can diversify capital, that is, to consider an unlimited number of applications and enter into any number of transactions.

Minuses:

• insufficient investor protection (they often have to chase themselves for people who do not return loans);
• lack of opportunity to fully check the solvency of the borrower;
• many exchanges are Haip-projects.

Business

Do you have an entrepreneurial vein and a certain commercial experience? Then the most profitable investment can be their own business. There are also certain risks. However, the investor can flexibly manage them because it makes decisions on its own.

Pros:

• investor independently manages means building and optimizing business processes;
• for business, it is fairly easy to find merge the investment, which allows you to attract additional funds;
• on business it is easier to get a loan than other investment instruments.

Minuses:

• high risks of loss of funds;
• low liquidity of many assets;
• the need for personal participation in doing business.

Securities

The use of this tool requires professionalism and skills. There are many examples when the shares of some firms have grown several times in a short period of time. However, there are hundreds of other organizations that have broken. No one advertises. There is no guarantee that invested money will bring profits.

Pros of securities:

• you can get high profits;
• you can independently come up with an investment scheme;
• you can even invest a small amount of money;
• the resulting profit and loss depend only on the investor.

Minuses:

• requires certain knowledge;
• the expected income is unstable.

Precious metals

Precious metals have always been highly valued, and their cost increases every year. That is why this method is one of the most reliable. Money can be advantageously investing in gold, silver, platinum and palladium.

Pros:

• the presence of various forms of investment (ingots, coins, OMS, securities that are provided with precious metallol);
• relative stability of the course;
• preservation of the value of metals for a long time;
• protection of inflation funds.

Minuses:

• relatively low level of liquidity;
• slow rise in value;
• high tax when purchasing ingots;
• high spread when purchasing coins;
• when opening the OMS, profit is possible only in the event of the growth of the metal value.

Art

As an investment asset, paintings, sculptures, antiques, retro factors, and so on are considered. Money-fitted money can be disabled back, the exhibits at auction.

Pros of this method:

• the ability to get ultra-high profits;
• increased resistance to economic and political shocks;
• minimum risks.

Minuses:

• big entry threshold;
• low liquidity;
• the complexity of valuation of value and authenticity;
• long-term investment.

Venture funds

Venture funds accumulate in their accounts of investors who are invested in the development of startups. Innovative and high-tech projects are most popular, because their promising is much higher, and technological startups require initial capital to start work, but also revenue is much higher.

Benefits:

• maximum profit from investments of money if the project is successful;
• small entry threshold;
• the possibility of obtaining useful experience.

Disadvantages:

• big risks;
• regarding the long time of the project's output for self-sufficiency.

Haip

- This is an investment fund working on the principle of financial pyramid. In this case, money is paid at the expense of new depositors. How to make money in such projects can be easily found on the Internet, this industry is built on advertising noise and each developer is trying to make the project as easy as possible.

Pros:

• crazy yield (1-3% per day);
• high profit speed;
• low entry threshold;
• the complete anonymity of all participants in the process.

Minuses:

• high level of risk, because it is difficult to predict the performance of the High;
• lack of chance to return lost funds.

Cryptocurrencies

- These are the same money, only in digital format. We are talking about Bitcoin, Litecoin, NameCoin and so on.

Pros of investment in cryptocurrency:

• the opportunity to earn at the rate difference;
• small commissions for carrying out transactions or their absence;
• small entry threshold;
• uncontrolled exchange of money between users.

Minuses:

• high volatility;
• lack of guarantees of safety of funds;
• mandatory availability of certain knowledge.

Sites under CPA.

If you are looking for where to invest money, you can also choose investment in the information website, forum or blog. It must be created under the CPA-affiliate. On such sites there are thematic traffic and affiliate references. The owner receives money for a certain action of users (for example, buying goods, watching a video, downloading a file, filling out a questionnaire and so on).

Advantages:

• various actions are paid, not just the purchase of goods;
• you can choose several partners at once;
• partner links can be placed even on sites with low attendance.

Disadvantages:

• the opacity of the relationship between the partners of the CPA network;
• possible payments.

MFA sites

MFA sites are designed for earnings on contextual advertising Google Adsense.

Pros:

• high price of clicks due to competition among advertisers;
• minimum sites;
• the presence of analytical instruments;
• the speed of adding a site into the system.

Minuses:

• the minimum amount for output is 100 dollars;
• earned funds can be obtained only by putting on the collection sent by mail the name check;
• there is a risk of blocking an account.

Such sites are created for the sale of rental or eternal references. Previously, this way of earning was very popular. However, today there is a decline in income due to increased risks for buyers.

Pros:

• instantaneous income;
• easy earnings;
• permanent price increase.

Minuses:

• risk of filters;
• reducing the relevance of references;
• permanent decline in positions.

Applications for phones

It is easiest to make money on simple applications for phones that can help with something in life. Useful information on a specific topic can also be combined. In addition, it can be free applications in which you can buy something during use.

The advantages of this method:

• investor requires a small amount of money;
• it is not bad to earn it, if the application is unique and useful;
• invested funds are almost impossible to lose, since it all depends on your efforts.

Disadvantages:

• it takes a good idea;
• it takes a lot of time and strength.

This method can be called quite quite good. However, we need ideological active performers. Earnings on the Internet - a very promising direction, if you pay due attention to this and approach this as a serious investment. 95% of publics are now "dead", their owners spent their own funds for advertising and promotion, but the expected profit did not receive due to a non-serious attitude towards the project.

This method has the following advantages:

• create public is very simple;
• investments are required only at the initial stage;
• you can earn on advertising or selling public.

Disadvantages:

• it is necessary to regularly publish the material;
• you can get a ban from moderators.

Investments in its development

If you want to invest money, choose investment in your development. This is the most profitable and risk-free way. If you do not invest in your development, everything else is almost meaningless.

Benefits:

• the benefit reaches 100%;
• the risks are reduced to the minimum value;
• so everyone can invest money.

There are practically no shortcomings of this option. You must be prepared for the fact that self-development will require a lot of time and effort.

Where are you not worth investing?

Almost every person at least once in his life heard of earnings in the online casino. And if not, I certainly met with an advertisement, which promises crazy profit without much effort. You only need to pass a simple registration, and then act in a strict scheme. What is her essence? Need to bet. If you lose, it doubles and put on the same color again. According to the law of Martingale, soon you will be waiting for victory. If the casino gives to win, you need to immediately change the color. After that, the player acts on the already familiar scheme. He puts money, loses them and doubles the bet. It continues until the person has completed the funds or he will not win.

Among the methods of earnings on the Internet there are different casinos. Some of them take 10-15% of profits, and the rest redistributed between players. However, they are not so much. Most online casino take everything and only create the appearance of the game. They work for a while receive money, and then disappear. Soon such a casino again proceeds to their activities. However, now they work under the new name and use another site. How to earn under such conditions - a big question. The main difference of casino - everything is decided for you before the bet, consider it.

I do not recommend investing in the online casino, because there is no light money. But if you still decided to bet, then play no more than 2-10 minutes a day. It is during this period of time that the casino gives herself to beat. If you exceed it, lose all savings. Casino - Masters Pull your money and gambling often go in minus. There are no cases when the thirst for easy profit led people in a very unenviable position. If you are a gambling person - it is better to refrain from this earnings. It works not only luck, but also a clear program and pseudorand, controlled by the Casino Organizers.

Analogue of casino are the lottery. In this case, the organizers sell tickets, for example on 10 000 rubles. Among them there is one wins. The winner receives 500,000 rubles, and the remaining money goes to the organizers. The lucky one is photographed and show everyone as an example of the company's honesty. This allows the organizers to attract even more money. But the probability of winning the lottery remains very small.

Some of the most favorable ways to invest money is considered to be High. Such structures work on the principle of financial pyramid. They attract investor money, promising high income from investing money, which can reach 15-100% per month. Funds are paid until there is a flow of new depositors. It can be said that Haip is the same casino, because you can never predict what will eventually, your investments can both attach and the abyss. Like any other pyramid, High projects high-yielding industry, but with very high risks. I recommend to spend several trial investments, and better even theoretical. Find any transaction that coincides with your planned investment and watch it. It is more convenient to track multiple projects, so you will learn to pay attention to trends and understand the mechanics of High. Skeptical about the opinions of experts advertising Highup, remember that they get money for it.

The principle of operation of such structures is quite simple and understood. First, the pyramid itself is created. After that, the active advertising of the Hype on the network begins. People think that they invest savings into something real (for example, in forex, futures, stocks, and so on). However, actually nothing is invested and everything is in one place. As soon as the creators see that costs exceed income, they close the project. All those who have invested the money in Haip and did not have time to withdraw them, they remain with nothing.

Such pyramids live from 1 day to several years. It is from what project will you come across, your winnings or loss will depend on. It is worth noting that most Haipov closes on the very first day due to the lack of experience in their creators. However, there is a small category of admins that lead their projects for years. This suggests that progress does not stand still. The creators of such schemes come up with all new and new ways that allow longer to work out and earn more.

I have experience with such financial pyramids. At first, I did not have anything good from Haipov, although the profit from time to time was still. Today I get a stable income. However, as I said, each time Admin Khaipov come up with something new, and because of this, they are more difficult to distinguish them from normal investment projects. That is why if you never worked with financial pyramids and do not know how everything is arranged, you should not invest in such projects.

Remember that you can invest money in Haip, but only their creators benefit from such investments. Also profit can get those who managed to enter and get out of the project. Unfortunately, there are not so many such people. If you still decided to participate in Haip, select a project with a longer history of the market. In addition, it is necessary to closely monitor its activities. With the slightest doubts you need to quickly output savings with interest. However, this does not guarantee the preservation of your finance.

It is also not worth investing illegal and morally unacceptable projects. We are talking about drug trafficking, weapon, counterfeit goods, on the organization of brothels, submarine firms, laundering funds, on fraudulent schemes in the real estate scheme (for example, evicting single pensioners, re-registration of housing, corruption during construction) and so on. Even if you promise a high yield and stability, you must understand that in the first time it will have to answer, and secondly, you will be unpleasant to you and restlessly spend money from the suffering of other people. To live calmly, look for honest and socially acceptable ways to make money.. Only in this case, you will gain financial freedom and mental harmony.

Help in creating an investment portfolio

Want to profit profitably in Moscow, but doubt your abilities? Then contact me. I am investing on the Internet for more than 5 years and consistently profit. Readers of my blog can be completely free to order a professionally collected briefcase. To do this, it is enough to write to the mail [Email Protected] . In the letter, indicate the existing amount, the desired profitability and list of projects in which you have already invested. I will make a maximum of effort so that the assembled portfolio is profitable and successful.

Recently, responding to the next issues of the newly-made investor, the idea came to write an article in which to collect general recommendations for a novice investor. Judging by the issues, investments for beginners, represent a fairly foggy region, full of prejudices and the sockets of stereotypes.

In this article, I will try in general terms to describe the investment process from zero for beginner teapots, who just make the first steps towards financial independence. Also for beginners I recommend reading, and also to meet. So that the picture was more complete to pass the free course of the lazy investor in the right pane of the blog, there you will find the answers to most questions from novice investors.

Investing for beginner teapots

I have been leading this blog for more than 6 years. All this time, I regularly publish my investment reports. Now Public Investportfel is more than 1,000,000 rubles.

Especially for readers, I developed a course of a lazy investor, in which step-by-step showed how to establish order in personal finances and effectively invest its savings in dozens of assets. I recommend every reader to go, at least the first week of learning (this is free of charge).

• Collect the minimum amount - the foundation of future investments;

In order to start investing, it is necessary to form an initial capital. It is not worth investing the latter, because sudden costs usually come from where they are not waiting - a sharp increase in inflation or a jump rate of currencies can leave without funds. So that this does not happen, you need to keep records of all financial activities and to know exactly where finances are, what kind of profitability is predicted, etc. ... The impressive amounts of money are not required at first. I recommend starting with psychologically comfortable amounts (for me it was $ 100), but it is worth understanding that the minimum investments will not allow fully advantage of income growth.

• Find investment tools with an acceptable risk and profitability;

Now on the Internet you can find a huge set of suggestions for investment. Most of these investment proposals are designed for beginner teapots who do not understand the details either themselves sole their deposits, or the project managers will hide with investors' money. To this not happen, it is enough to follow the recommendations of the 2nd paragraph of this investment benefit for beginner teapots. Read Blogs, communicate on the forums with real clients of companies and check the projects in small amounts, all this will help minimize the risks of the loss of money at the start.

Choose only verified, authoritative for you, tools and companies for you. For example, among the infinite set of forex brokers on the fingers, you can recalculate those who bring transactions of successful customers to the interbank, the rest playing against customers. Among the proven brokers for trading in the foreign exchange market can be allocated, for example. For the most lazy investors, the broker provides.

It is this phrase that likes to write experienced investors in the forums and not in vain. Investing for beginners requires special attention, because even minor, at first glance, errors can lead to very significant losses. For successful activity, it is not necessary to be a professional, but it is still necessary to understand the Aza investment.

Not knowing what the PAMM is different from the trust management project, it is difficult to build effective financial relations. The optimal means of self-education are investment blogs (such as a lazy blog), investment forums (MMGP.RU) and numerous free seminars of investment companies. Especially for monitoring the emergence of new interesting articles, I once made the service investors.ru.

• Put investment goals;

Despite the seeming simplicity, many novice investors cannot correctly form the final goal of investments. Of course, everyone wants to earn money, but if there is no specific purpose, then development can stop over time. The person consisted in adulthood, providing a family and soberly looking for life, has completely different needs than yesterday's student. It is not enough just to make money - you need to know where and how to spend or put them. Many novice investors set themselves the goal as quickly as possible to increase investment capital to a million rubles \\ dollars, and this is the right approach.

• Determine how willing you are ready to risk, investing money;

Investments from scratch for beginners, always associated with high risk. Not all people are risky enough - some prefer a gradual, but confidently growing income to more rapid enrichment. The risk greatly depends on the goals set - if a person wants to provide his children to the majority or his own retirement, then long-term investments with low returns are suitable (conditionally up to 5% per month). By the way, on long investment horizons, income from investing will also increase due to. If you need to earn a new tourist season or buy a new car, then the short time is usually accompanied by increased risks. Manage risks.

• Try and look for yourself in various directions of investment;

Each person understands any sphere better than in others. One is suitable for working with deposits, giving a stable profit over the years, another - a game on the stock exchange, able to quickly enrich or make bankrupt. Depending on its own abilities and natural excitement, each person has its own direction of work. It is worth remembering that investments for beginners from scratch should not be too aggressive, since the investor does not have sufficient knowledge.

Different areas of investment activities provide for their commissions and service fees. Investments from scratch for beginner teapots usually begins with familiarity with electronic payment systems. Before entering money into the investment tool, you should familiarize yourself with the commission for the input and withdrawal of funds. In most cases, the most convenient way to investor is far from the most profitable, so it is better to immediately calculate all related expenses. Personally, before entering the principal amount of investment, I always test a small sum in the input and output of funds in projects.

• Do not neglect diversification;

Finding out how much you want to invest money, distribute them among the selected investment tools. Never invest all money in one project, do not neglect the rule. Part of the investment can be put on a bank deposit, another - in stocks, part in PAMM accounts, etc. ... Investing for beginners is better to carry out small amounts for different purposes, since at first it is difficult to navigate in the diversity of the investment market.

• Keep composure;

Any financial operations are accompanied by varying success - a long period of stable income can end with an unprofitable series. To lose their self-control in the negative development of events in no case. The adoption of any solutions must be preceded by a sober analysis, on the basis of which a weighted solution is made. End to panic and start to output or move assets, in most cases, leads to an increase in damages.

Bank deposit (or bank deposit) is the money transferred to the storage of a loan institution (bank) so that at the end of the term of the contribution to receive income in the form of interest.

Species and conditions of deposits set. There are urgent deposits and demand deposits. In the first case, the deposit is made for a certain period and can be removed completely without loss of percent only after this period. Demand deposits do not have a storage period and return to the first requirement of the depositor, but interest on them is significantly lower.

The contribution is clear and relatively reliable investment.

Open contribution is simple. To do this, it is not even necessary to leave the house: many banks allow you to open deposits through a mobile application or your site. Of course, for this, you first need to become a client of this bank.

The main advantage of the contribution as a type of investment of free funds is the insurance coverage of deposit insurance agency in the amount of 1.4 million rubles. Within this amount, you can confidently place your contribution to any bank, which has a license of the Central Bank of the Russian Federation. If the bank is bursting, the state will return the money together with percentages on the day of the license revocation. By the way, since 2014, more than 300 banks were devoid of licenses in Russia, and their depositors were definitely suffered.

The minus of the contribution is that compared with the individual investment account, it gives sufficiently modest possibilities for increasing funds.

Individual investment account

An individual investment account (IIS) is a view of a brokerage account or the invoice of the physical person's trust management, which is directly directly at a broker or a trust manager (for example, in a bank), according to which two types of tax breaks are provided for the choice and certain limitations are provided.

The concept of "individual investment account" was legally enshrined from January 1, 2015. IIS can open as individuals - citizens of Russia and people who are not citizens of the Russian Federation, but for more than six months in its territory.

The maximum amount that can be initially put on the IIS is 400,000 rubles. During the year, the score can be replenished with an amount not exceeding 1 million rubles.

The great advantage of the IIS is the ability to receive a tax deduction.

It is paid in the amount of 13% of the amount invested in the year, but not more than 52,000 rubles. That is, with 400,000 rubles, and from 1 million rubles you can return no more than this amount. This option suits you if you have a permanent job and the employer pays taxes for you. There is another option - choose exemption from taxation.

The main disadvantage of IIS is that he, in contrast to the contribution, is not insured by anyone. However, if you open it in a reliable bank (it has long been on the market, it is located in the top 20 rating of Russian banks, there is no sanation against it) and choose the right investment strategy, you can earn much more. In addition, to use tax deductions, the investment account must be opened at least three years, during which the means cannot be output.

How much can you earn on the deposit and iis

Compare how much you can earn, if you contribute to 100,000 rubles and open an individual investment account for the same amount.

The profitability of the contribution

The weighted average interest rate on deposits from one to three years in Russia for September 2017 amounted to 6.83% per annum. If you calculate the income based on this interest rate, then in a year it will be 106,830 rubles. Reinvesting this amount, in two years you will receive 114,126.5 rubles, and after three years - 121,921.3 rubles. Net income - 21 921.3 rubles.

Yield of jes

Strategy 1: Investments in government bonds

Opening IIS, you can invest in such a reliable tool as the bonds of a federal loan (OFS), whose Issuer is the Russian Federation represented by the Ministry of Finance of the Russian Federation. The yield to the repayment of OFZ-26205 at the end of November 2017 was about 7.3%. Taking into account the tax deduction in the amount of 13% yield from investments will be 20.3% in the first year. And for three years (the score opens for a period of at least three years), the average yield will be about 11.6%. As a result, in three years you can get 138,504 rubles. Net income - 38 504 rubles.

Strategy 2: Investments in Corporation Bonds

Another reliable and rather favorable strategy is investments in corporate bonds, the yield on which is slightly higher than on the bonds of OFZ.

For example, it may be bonds Gazprom Capital and Rosneft. The average yield on the portfolio of the bonds of these companies at the time of writing the material is 7.97%. If we put 100,000 rubles on IIS and, according to the results, get a tax deduction in one year, then after three years we get an average figure of 12.3% per annum. By the end of the third year, 141,020 rubles will be on the account. Net income - 41 020 rubles.

By the way, on individual issues of bonds of these issuers, a coupon income will not be taxed since 2018.

Strategy 3: Investments in stock

The largest income can bring investments in stocks. However, this is the most risky investment instrument, because even if the shares of any company for past periods showed growth, this does not mean that such a tendency will continue to continue. The experienced investors advise to invest in several types of shares, so that the fall in shares of one company could be compensated by an increase in the shares of another company. This is called a portfolio diversification.

The most proven attachment is the shares of "blue chips" - securities of the largest, liquid and reliable corporations. Among Russian companies, they include the shares of Gazprom, Sberbank, Alrosy and others.

If in early 2016, in equal shares invested 100,000 rubles in ordinary shares of the three largest Russian corporations - Gazprom, Sberbank and Lukoil, the average profitability of whose shares at the end of 2016 amounted to 43.93%, only for one Year you would earn 43,930 rubles. To this amount, add a tax deduction in the amount of 13,000 rubles. It turns out that only for the year you would earn 56 930 rubles. At the same time, growth in three years to predict is much more complicated.

Outcome

The contribution will suit more conservative and cautious people, probably older generation. Opening investment accounts - for more risky people. This is not just a fashion trend, but a good opportunity to earn.

• Buffetta investment rules
• Bank deposit
• PIFES.
• Investing in real estate
• Cryptovaluta
• Precious metals
• Securities
• Purchase of cash currency
• Other types of investment
• How to invest money correctly: basic principles

An adult person who has a stable source of income, sooner or later thinks about how to increase his savings. Passive income has a number of advantages even before high salary - having a stable cash flow, you can live at your pleasure and be calm for your future in any situation.

For many people, the only known way to preserve and multiply money is a bank deposit. But besides the bank deposit there are other areas of investment: gold, real estate, financial markets, and so on. Let's see where millionaires invest, and we will analyze the basic investment methods available to every person.

Buffetta investment rules

Warren Buffett is currently being the richest investor in the world. His condition exceeds 77 billion dollars as of August 2017.

1. Always have a financial plan. It is better to write it down, but you can keep in my head. After drawing up the financial plan, you must adhere to it.
2. Markets are constantly changing. Be sufficiently flexible. When changing the situation in the market, make changes to your financial plan.
3. Invest in those industries in which you understand.
4. Analyze the financial performance of the company, whose shares you intend to buy.
5. Mouse over the company's management, whose shares you intend to purchase.
6. Examine the product that the company produces.
7. If you find that the product produced by the company is promising, ignore a possible decline in the company's stock price and boldly buy stocks.
8. If you have not found a suitable object for investing, do not rush to part with money. Wait, spend a new analysis through time. Do not invest simply because "somewhere you need to urgently invest money."
9. The sooner you begin to invest, the more money you can earn money. Start with small amounts, but invest regularly. After a while, this money will turn into a large state.
10. If you are mistaken in your analysis and invested in an unprofitable enterprise or a loss product, without regret, sell such shares.
11. Diversify your investment. Invest in various industries, in the shares of companies in other countries.
12. Increase your financial literacy. See financial news, learn financial periods, follow the markets.
13. Be patient, do not expect to make yourself a fortune for 3-5 years. This sometimes happens, but most of the rich people earned their condition for 10-20-50 years of investment.
14. Do not use loans for investment. You can only invest "free money".
15. Take yourself a rule to postpone some part of the money received for investment. First invest, and then waste money for entertainment.
16. You can always find money to invest, if you reconsider your spending a little and spend a little less every day.
17. It is reasonable to waste earned. It's nice and convenient to have a personal aircraft, but contain ten houses at different parts of the country is a burden.

Warren Buffett is not engaged in speculation or playing on the stock exchange, and the average investment period is about 10 years. In a business environment, he is considered a somewhat conservative and prudent investor, while staying in second place in the list of America's richest people.

Real estate investment Kiyosaki

Robert Kiyosaki became a sign of a Russian-speaking audience in the early 2000s. His books became desktop for many people and allowed many of them to become rich. Like the current US President Donald Trump, Robert Kiyosaki made a real estate condition. Let's see if it is possible to learn something, what kind of investment rules it recommends.

Robert Kiyosaki believes that business on real estate is available to almost everyone, despite the high cost of real estate. As a rule, banks and other financial institutions with ease give a mortgage loan secured by the purchased real estate. Thus, it is necessary to have about only 10-15% of the amount required (and sometimes less) to start.

Kiyosaki recommends starting with small transactions and then build an investment. It's clear. Small amounts are small mistakes. Real estate gives almost permanent passive income if it is properly managed. Most of the time real estate is only growing in price, which gives additional income with time. In some countries there are tax benefits for real estate business. At the same time, business for real estate at the beginning requires a lot of time and effort. Meetings, estimates of objects, negotiations, shows, all this is difficult at the beginning, but then comes with experience. Real estate can not always be sold quickly. In severe market periods, there may be problems with tenants or the sale of the property falling in the price.

This is the main real estate council from Robert Kiyosaki - Start with a small and gradually acquire experience.

Where to invest money not to lose, but to increase

Now let's talk about where money can invest in the conditions of Russian reality, and consider some investment tools in more detail.

Bank deposit

This is the easiest, understandable and common way to invest in the time of the USSR. If we consider a bank deposit as a way of investing, and not as the current account for daily operations, then you need to look at the term of the deposit and the proposed bet on it. If you do not need money for half a year, then it is from such a term and you need to consider the proposed deposits. If the proposed deposit rate is less than the level of inflation in the country, it is necessary to refuse such a sentence. Thus, you need to choose a fairly attractive bet on the deposit and an acceptable investment period for you. The bank deposit is somewhat protected from loss, since the state compensates for you a loss of money in the event of bank bankruptcy. It is not necessary to make a deposit in one bank for an amount exceeding this state guarantee (in Russia it is 1,400,000 rubles now).

Consider contributions as a way to increase its funds is not worth it. At best, the percentage of the deposit will block inflation and you will be able to save earned.

PIFES.

A mutual investment fund is a collective investment of many people in some stock product. As a rule, the FIF provides greater yield than a bank deposit and is slightly different for the contributor to the complexity of paperwork. You just need to come to the financial company, choose the proposed imagination, fill out the contract and make money.

Pynes are managed by professional financiers who understand stock trading and buy / sell for investors some exchange products are usually a promotion of enterprises. The depositor does not hurt a head, how the shares of enterprises in the market behave when they need to be bought when selling, the portfolio manager is concerned. The method is more advanced than the usual contribution to the bank, but it is not worth counting on serious enrichment. First, in the case of PIPI, we are not talking about high-yield and high-risk investments, secondly, part of the profit will have to be given to the manager.

Investing in real estate

Investments in real estate - centuries-old, time-tested way of investment. Despite the price fluctuations, in the long-term period, real estate is always growing in price - if it is a good object, and not Barak build up the 20s of the last century. The huge proposal of the new housing in Russia in recent years and the decline in interest rates on the mortgage made such a type of preservation and enhancement of free funds are quite popular. There are many options for profitable investment of money in real estate. Each of them has its own characteristics.

• investing in real estate "At the bottom of the pit". When the house is just beginning to build, prices per square meters are many times less than when buying ready-made housing. But in this case there is a risk of contacting the unfair developer and lose money. And in 2018, amendments to the law come into force, according to which it becomes impossible to invest in the pit.
• buying an apartment (preferably in a new building) and "cut" to small rooms or studios. The principle of dividing a large object to small is one of the key principles of Robert Kiyosaki, and it works great in the context of the Russian real estate market.
• profitable house. This popular strategy also proved its market efficiency. The same principle of sawing a large object on small studios (15-25m2), but on the scale of the whole house is applied.
• daily delivery of apartments. As a rule, you can make money on this much more than on long-term lease.
• investment in commercial real estate.

There are other strategies associated with real estate - investments in hostels, capsule hotels, hostels for watch hardware, etc. As a rule, for investments in real estate, some capital is needed, but it is not necessary to have millions of accumulations - all these strategies can be implemented for credit money and with profit for themselves. In some cases, it is possible to start even with zero investments.

Cryptovaluta

Unlike real estate, cryptocurrency - a completely new direction for investment, because the first cryptocurrency (Bitcoin) is not yet 10 years old! Nevertheless, investments in cryptocurrencies can provide a very high income. Since 2009, Bitcoin has grown in millions of times (and more than seven times - from the beginning of 2017). Such a rigorous growth of the course convincingly proved that investing in cryptocurrencies give more profit than traditional investment methods. Many experts believe that over time, Bitcoin's course can be achieved by different estimates, from 25 to $ 400,000 for a coin, so that the possibilities of earnings in this area are preserved now when it costs about $ 7,500.

And besides Bitcoin, there is Etherium, Ripple and hundreds of other coins who are willing to fight with the "cryptocurrency number one". And although now Bitcoin remains the most expensive digital coin (and with a large margin), over time, other tokens can challenge his leadership.

Investors who are investing in cryptocurrency, it is recommended to buy not only bitcoins, as well as other coins, forming a cryptocurrency portfolio. If you do not buy everything in a row, but to carefully analyze and evaluate the prospects for each coin, after 3-5 years such a portfolio can bring an investor a whole condition.

Precious metals

Gold and silver Many centuries were almost the only way to invest and save savings. Invest in precious metals can be different. This is the purchase of banking ingots, and the acquisition of precious coins, and bank deposits tied to prices for precious metals. It should be noted that the prices for precious metals fall after the crisis of 2008, so now the investment in precious metals can be considered only in the long run, in the settlement of their subsequent growth.

Securities

Some people prefer to invest in securities and other stock exchange tools. Since the beginning of the 2000s, such an opportunity is provided to individuals, and can be investigated not only in the shares of Russian enterprises, but also in the shares of foreign companies traded on NYSE, NASDAQ stock exchanges and other foreign exchanges. Such a way to preserve and multiply free money is very difficult, since stock exchange quotes are subject to constant changes. To choose the right object for investing, preparation is required.

It is for this reason that many people invest in mutual effects (see above), and do not buy shares on their own. At the same time, if there is some skill and experience, independent investment in the shares in the long run is quite profitable and significantly profitable, what the experience of Warren Buffett says, which is the most rich investor in the world.

Purchase of cash currency

This method of preserving and increased savings was popular from the population in the 90s of the last century and, it must be recognized, in those conditions he justified itself. However, now many experts recommend to keep part of savings in foreign currency, since the ruble exchange rate still has oscillations, not so significant as before, but still. It is better to keep part of savings in dollars, part - in euros, since these currencies are experiencing fluctuations in the global financial market.

Other types of investment

There are some more investment areas, such as: art objects, old wine, Internet projects, investments in startups and acting business, binary options, issuing microloans to individuals, buying rare brands and so on. Each of them requires serious knowledge in its field, conjugate with big risks and does not guarantee the increase in investor funds. These types of investment are quite specific and recommended only those who understand the topic well.

How to invest money correctly: basic principles

There are several investment rules that have been developed by many generations of people who have invested in the past. We list the basic principles, how to invest the funds correctly.

Rule 1. Use only free money.

Never use for investments those money that you need for the content of the family and maintain the usual lifestyle. Free money, these are those that remain after paying all utility payments, all debts, nutrition costs, clothing and purchase of other products. In terms of inflation, prices have the property of growing and the amount that was free at the beginning of the year may not be so at the end of the year. There may be unforeseen expenses associated with medicine or urgent help to someone from relatives or family members.

Rule 2. Have an investment plan.

Your investments should not be spontaneous (friend called, promised "Golden Mountains"). Attachments should be analyzed from different points of view and choose the most optimal for you. If you are not prone to risk, you do not suit the stock speculation. If you are free only 500 dollars, you will not find a real estate investment. If the word "blockchain" scares you, the cryptocurrencies are not for you. Some investment methods may seem "too good to be true," some will require efforts that you are not ready to attach. In general, your investment plan should be unique, adjusted for your tastes, skills and preferences.

Rule 3. Diversification.

In other words, the distribution of investments in various directions. It is not very reasonable to divide the investment amount for five parts and put them in five different banks. A suddenly arising bank crisis can cover all five banks. It is also not reasonable to buy five different gold bars of gold. Gold can fall in price and all ingots will become cheaper.

It is reasonable to put one part of investment money on a deposit, on the second part to buy a gold (silver) ingot in the bank, the third amount to give to trust management, and on the fourth - buy bitkin. That is, to distribute the invested amount in various areas of investment. One market may fall, but the other can "take off". So it happens constantly, but if you are not a specialist in the global economy, it will be difficult for you to keep track of all the trends that occur in world finances.

Rule 4. Do not waste earned.

You invest free money not in order to spend them in a month. If the investment is profitable and ahead of inflation, reasonably reinvest (invest again) earned profits. Then the invested amount will grow in geometric progression as a snowball. Of course, there is a risk that after 30 or 40 years, the direction of investment, where you invested may become less profitable or in general "shake" (stock speculation, for example), if you are so afraid of a similar scenario, you can withdraw half the earned profits, but The second half is still reinvest. Otherwise, everything loses its meaning.

Gold rules of investment

We reviewed the main principles of investment, but this list can be expanded and supplemented by the rules that each investor must follow:

1. The investor should always clearly know how much money he has and what they are invested, and also clearly understand where he invests money.
2. Personal income must exceed the personal expenses of the investor.
3. First you need to allocate money for investment, and then - on entertainment.
4. Invest only those money that is ready to lose. Investments are risk. Never and nowhere has a 100 percent guarantee of the return of invested funds.
5. Do not take hasty decisions. Investments should be well thought out.
6. Take out your money from risky or erroneous investment in a timely manner.
7. Gradually increase your investment. Over time, this will lead to a significant increase in wealth.
8. Try to reduce unnecessary spending.

How to start investing: step-by-step plan

So you came to the thought that it's time to send money to work for you. Let's see where to start your way to the tops of the investment Olympus.

1. Tune in psychologically that you start investing money in order to make them much more in the future. Not tomorrow, not in a month, namely now.
2. Spend a written analysis of your costs. Surely you will learn a lot of new things, for example, the fact that coffee can be drunk with friends at home, not in a fashionable cafe. Often it is better to go to work on foot than riding a bus or subway. It can be possible to wait with the purchase of a new pair of shoes or sneakers.
3. Set down a certain amount on the emergence of unforeseen expenses so that this money does not have to "remove" from investment.
4. Based on its income and expenses, determine the amount you are ready to invest monthly.
5. Decide for the purpose of investment. Clearly record on paper, what income you want to get for what period of time.
6. Determine where and how much you are ready to invest. Start with small amounts.
7. Determine for you sources of additional income. Forget about the output of profit and prepare to reinvest earned.
8. Do not limit yourself to recommendations that sound from TV, Internet and other media. Carefully analyze all the information received.
9. Be prepared to firmly adhere to the previous decision to invest money and rich.
10. Make the first investment.

And do not forget that the most profitable investments are almost always highly discovered. Analyze all the options for investing funds, determine the income acceptable level for yourself, make it up with a risk level - and let the money work for you. If you do not forget about common sense and act impulsively, you have every chance if you do not overtake a buffette from Kiyosaki, then at least to secure a comfortable future.

One of the priorities of an independent person is to receive income expressed in the monetary equivalent. Such income (if from it, other taxes and expenses) can be active or passive. In the first case, in order to get your money, the employee performs certain actions in accordance with the requirements of the direct leader. The second option implies that income is the result of properly made investments (investments) into any project or business.

Investing funds in Russia is invariably connected with risk: the likelihood of losing them is great if not because of the actions of individual scams, then as a result of the next "surprise" from the state. Therefore, a citizen, reflecting where to invest money, should be especially carefully choosing sources of income. The safest and promising of them will be listed below.

The most profitable investment of money today

First of all, the future investor needs to decide which object of investment of funds from the most interesting to date today. It makes no sense to invest in the project, even the most fashionable and having an impeccable reputation, if it is incomprehensible or unpleasant: the only result of such an experiment will be an obsessive desire to "repel" their investments and get out of the game.

Council: Do not immediately get involved in exotic ideas. For example, a person, only a novice career of the investor, is unlikely to invest all accumulations in: such a business is not only risky (animals can get sick and die one-time and die), but also requires the arrangement of a separate room, which is associated with increasing costs. To make money on the project, undoubtedly, it is possible, but only having a "airbag" or other projects that allow in the case of a disaster to remain afloat.

So, by defining the goal and abandoning non-constructive ideas, a novice investor must decide where to invest money; It is best to choose any option from the next list.

Deposit

Traditional bank deposit - if not the most profitable, then the most secure investment. Funds made by citizen on their own account are necessarily insuredAnd therefore, even with the collapse of the bank, the depositor will receive compensation, albeit not in full. True, cases where the only means to restore justice will be the submission of the claim to the court, and how much time will take transitions from instance to instance, it is impossible to predict; But the chances of a favorable outcome are invariably high.

So, to make money on the deposit, you need to find a bank offering deposits on the following conditions:

• high accrued percentage;
• security Guarantee Deposit;
• the opportunity to remove money at any time.

Important: Special attention should be paid to the last item. If the bank offers an attractive interest rate, but at the same time prohibits the client to use the funds placed before the expiration of a certain period, this contribution is not suitable for obtaining a monthly passive income, although it can serve as a long-term investment object.

The most attractive for investors, according to the experts drawn up by the rating, are the following banking organizations.

№1 - "Tinkoff Bank". Its main advantage - remoteness: Container maintenance is made only by phone or by the global network. Exception is the delivery of plastic cards, requiring personal contact of the courier and the recipient.

Terms of deposit in Tinkoff:

• interest rate - up to 7% per year;
• the minimum embedding size is 50,000 rubles;
• percentages are transferred to the emitted plastic card;
• the depositor can replenish the score or partially take money from it.

№2 - "Sovcombank". Functions since 1990 and is included in the top 20 of the country's largest banks.

Deposit Terms in Sovcombank:

• interest rate - up to 7.6% per year;
• period of accrual - once in the calendar month;
• the minimum embedding size is 30000 rubles;
• interest is paid at the end of the deposit period, but partially persist in the early termination of the contract;
• the contribution can be replenished, but you can not remove money from it.

№3 - "UniCredit Bank". The European organization presented in Russia has been in 25 years. The largest bank remaining banks with foreign capital.

Conditions of the deposit in UniCredit Bank:

• a ruble interest rate - up to 8.35% per year;
• dollar - up to 3.23% per year;
• in euros - up to 0.20% per year;
• period of accrual - once in the calendar month;
• the minimum amount of investments is 50,000 rubles.

Important: The current legislation does not prohibit a citizen to have deposits at once in several banks. The main thing is the availability of starting agents and legally impeccable design of the contract.

PIFES.

The essence of the shared investment fund, or the FIF, is a joint management of investments that make up each participant of the Foundation, which decided to invest in one or more projects. Accordingly, all the property of the PIFE consists of proportional parts - paws.

Advantages of investing in FIF:

• registration in accordance with the current legislation;
• legal security of each of the parties;
• high liquidity due to the constant presence of assets in the market.

Disadvantages:

• lack of guaranteed profits, and sometimes unprofitability of the Fund;
• the possibility of fraudulent actions by the managing means.

Despite the high liquidity and potential profit to 50% per year, participation in The pee is difficult to call a beneficial investor to the novice investor: Depending on the terms of the contract, it can get the right to sell his Pai at any time (open fund), at certain periods (interval) or at the end of the established period (closed). The first option is less common and is usually associated with the greatest risks; A citizen thinking where to invest money to make a profit in the short term should pay attention to others - more "fast" projects.

Forex

The principle of operation of the Forex market (Foreign Exchange, the exchange of foreign currency) is very simple: the depositor (merchant, player) earns money, guessing fluctuations in courses in the currency pair chosen by him (for example, the dollar / euro): buying $ 1,500 for 1,200 euros, it can Further sell them for 1300 euros, thus obtaining income in the amount of 100 euros - today about 7,000 rubles. In addition to currency pairs, a person seeking an object of profitable investment of funds can guess fluctuations in courses of various shares or valuable metals.

Important: To profit on Forex, you need to conclude an urgent (for 10 minutes, three hours, day or week) a deal for a fall or a rise in the course of the pair. The transaction can be imprisoned as the entire volume of funds available (extremely not recommended) and any specific amount. After the specified term, the investor who has made a faithful bet, receives his gain and the percentage bonus from the broker.

And the advantage and disadvantage of investment in trade in forex is unpredictability: Even the most experienced investors cannot argue with complete confidence that the course will go up or down. Depending on the crossing of a plurality of random factors, including changes in external and internal politics, the player may receive or a huge profit for one transaction, or remain not only without money, but also with finally spoiled nerves.

Council: Do not immediately invest significant funds in forex trail. To evaluate the possibilities of the market, it is enough to invest minimum of money; Then, with a satisfactory result, the amount can be gradually increased.

PAMM-account

PAMM-account (Percent Allocation Management Module, the percentage distribution module) do not differ much from mutual: the manager (manager) offers people who think to attach money to become co-investors of the project; In case of good luck, each of them can receive income, proportional to the share in total capital. The difference is exactly in the control method: pAMM account activity on all over its existence controls one personreceiving for its efforts up to 50% of the revenue profits depending on the total volume of investment and terms of the contract.

It is difficult to say how profitable to invest in the PAMM accounts; The amount of income (both the total and each of the project participants) depends on the talents and the conscientiousness of the manager, as well as from the set of random factors.

Council: As in other cases, the potential investor is not recommended to invest all money in the PAMM account: even with a favorable coincidence, the profit will be relatively small - less than in more risky enterprises. It is better to divide free funds into several parts: for short-term, long-term, more and less reliable projects.

Dragmetals

Investing in precious metals (gold, platinum, silver) is one of the most popular ways of obtaining passive income in Russia. A citizen thinking where to invest money can both buy bars (keep them, of course, better in bank cells), and purchase futures or become the owner of an immense metal account. In part, the acquisition of jewelry and jewelery includes this option.

The main advantage of money investment in precious metals is a steadily high price for them: If necessary, an investor can simply realize his property, receiving a little less or more than paid.

Stability - at the same time and the main disadvantage of investment: Metal courses fluctuate so insignificantly that the player's big momentary income will simply be able to get a big momentary income.