How to increase the accumulation of 10 strategies with different risk levels

Get Rich A Life / by admin / December 19, 2019

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1. Savings account

You transfer the money to the unlimited expense and bank charges you a monthly interest on them until you use its services. In this case, restrictions on the movement of funds there. But the percentage is typically low.

Term profit: from one month.

risks: almost no, if handled in a certified bank and not to give data access to online banking to outsiders.

2. Deposit

You put money in the bank for a fixed period and receives a percentage. Pay attention to the ratio of the terms and interest at a floating rate on the deposit. Sometimes it happens that, for example, for the year to put money in the bank is more profitable than six months but less profitable than a half.

Income from the deposit, depending on the terms of the contract can be cashed monthly or end up in the principal amount of, then to get all the money at once. Note the presence of capitalization: in this case, the interest is added to the principal amount every month, and then they, too, bear interest.

If savings much scatter amount of different banks, so that each deposit was lying no more than 1.4 million - this is the sum insured in the event of bankruptcy of a financial institution.
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Term profit: from one month, but more profitable to choose a longer period.

risks: almost no, if handled in a certified bank and not to give data access to online banking to outsiders.

3. Education

Risky way in which you first have to say goodbye to the savings potential in the name of a bright future. Before investing in education, it is necessary to weigh all the pros and cons, make a list of the positions for which you can qualify, find out the average salary to them.

If all calculations appear optimistic, it is worth a try. But only if you are willing to plow. Then there is the chance to quickly return to their savings and start to multiply.

Term profit: from a few months to several years.

risks: high, if you are not willing to invest nothing more than money, and poorly studied professional market.

4. Property under construction

Purchase apartment at the stage of excavation can increase the accumulation of 50-70%. That is the rate of return, according toWhat rate of return can bring investment in new buildings RBC, are investing in new building.

But profitable investment - risky investments, so you should take a responsible approach to the choice of the developer, not to join the ranks of defrauded investors. Note also the infrastructure of the district if a place is bad, there is a chance to find a buyer.

Term profit: some years.

risks: high, if contact with unverified developer, and below the average, if you select a conscientious company.

5. Properties for rent

Be prepared for the fact that it is a very long-term investment. buy apartment for 2 million and lease payments without utility services 20 thousand return accumulation in just 8 years.

But at the same time you have an apartment in the property. However, dataIndices of prices in the secondary housing market of the Russian Fedepatsii Rosstat said that in the last three years reduced the value of all the apartments except for the elite types. Prior to this property has been growing steadily in value.

Term profit: the first money - a month later, the return - after a few years, but you will have a flat that can be sold.

risks: below average, if you carefully choose the real estate and check tenants.

6. shares

When investing in stocks, it makes sense not to put all your eggs in one basket and purchase securities of several companies. This makes it possible at least to keep the accumulation, if the value of the securities will go down dramatically.

Note that the dividend on ordinary shares, and can not pay. Pay attention to the more expensive preferred shares that have priority in the distribution of profits.

When choosing a broker who will represent you at the stock exchange, check his state license from the Central Bank (until 2013 - from the Federal Service for Financial Markets), and his company - registration Russia.

Term profit: a year - on dividends, at any time - after the sale.

risks: high, if not understand the question.

7. Federal loan bonds

Bonds - debt instruments with fixed income. In the case of federal loan bonds (OFZ) government takes your loan, then returns the money invested and thank you interest. OFZ market can be purchased from a broker. Their time and profitability are different, so the details should be specified for each bond issue specifically.

In 2017, the Ministry of Finance releasedOn the federal loan bonds for individuals (OFZ-n)"Popular" bonds, which can be bought in VTB and Sberbank, but you can only sell them the same. The yield is declared at the level of 8.5% per annum on average over 3 years. By three-year average rate of deposit 4.85%The weighted average interest rate on foreign attracted by credit organizations deposits (deposits) of individuals and non-financial organizations in rubles.

Term profit: depending on the term of the bond.

risks: almost no, if you're not waiting for the bankruptcy of the state.

8. The individual investment account

Individual investment accounts (IMS) was introduced in 2015 as a tool to attract Russians to long-term investment in securities. You are credited to him money in rubles necessary, but not more than a million"On Amendments to Article 10.2-1 and 20 of the Federal Law On the Securities Market" dated 18.06.2017 N 123-FZ per year, and can be invested in stocks and bonds.

With them everything is clear, but the MIS allows to receive the income, even if you just keep at it without money movement. You can make a tax deduction up to 52 thousand rubles per year.

Timing of profit: of three years; if you withdraw money before, the tax deduction will have to return.

risks: higher than the deposit, at a sufficiently low yield as an investment account is not insured by the Deposit Insurance Agency.

9. ETF-fund

Investing in exchange-traded fund, you are buying the share belonging to him a set of shares of different companies. This is consistent with the requirement of different baskets, but makes it easier for the investor, as you suggest already formed package.

The more companies in the ETF-fund's portfolio, the more likely that the investment will bring at least a small but steady income.

Term profit: depending on the policy of the Fund.

risks: the larger the portfolio, the less risk.

10. someone else's business

Those who like to take risks and trust our intuition, can invest in startup or innovative technology. If the project will shoot, investments will return in the amount of more.

But the risks are very high, most companies goes bust. Therefore you should not invest or recently earned a very hard work. And do not forget that the finances like rationality. We'll have to shovel a lot of information to understand what the industry is trending and has a chance of success, and that the original is not worth attention.