Where to invest the extra money in the 20, 30 and 40 years

Where to invest in 20 years

The education

Several years of work, and it is clear what skills are missing and in which direction you need to move on. Free money is worth to invest in courses, seminars, trainings. The main thing - to make sure in advance that they are carried out are not charlatans, and respected people in their environment. Such spending will bring new knowledge and new contacts. And it promises a lot of interesting projects and an increase in wages in the future.

The airbag

The period from the age of 25-30 years - the risk of age. The lessor may refuse to a rented apartment. At work, cut the youngest, because he came last. I would like to move to another city, where they uncover more prospects.

To survive the crisis with minimal losses, you need to have the amount which would be enough for a normal life within two months. It's enough to make a deposit for a new apartment and pay a percentage of realtors to not starve during the search for a new job. To move, it is desirable to use additional sources of income.

Tips for a young age are valid for all subsequent periods of life.

The action

When the accumulation of small, you can try out the system for the future. Determine the amount, parting with that in the long term you will experience, and insert it in "blue chips" - shares that show an upward trend. After 5-7 years, check how much money "dripped".

in the franchise

Franchise - a variant of ready business, when all the conditions for the development have been created. But in this case, not only do you choose, but you. Willingness to comply with the rules is needed and work in a team.

The costs of a franchise can range from 100,000 to several million. A direct link between the value and prestige of the company there. Important costs for production facilities, equipment and so on.

Deductible - this training, for which you do not pay the money, and more and earn in the process. So what exactly it is ideal for a young businessman. And even easier to combine work with than your own business.

Roman Alekhin, founder of marketing group "Alekhin and partners"

Where to invest in 30 years

The stabilization fund

This amount should be enough so that the family can live in a familiar mode for at least six months. Money is convenient to store the savings account in the bank: monthly charged a small percentage, and you can withdraw the full amount or part of it without loss.

The accumulation

If the money in the near future will not be necessary, they can be put on deposit in the bank for a fixed period. Premature withdrawal is likely to deprive you of bonuses, but the interest rate is higher. Note whether there is market capitalization. If there is, charges will be padded to the total amount on a monthly basis, then the interest is calculated already on the increased amount.

Another important point - the opportunity to replenish the deposit. The more you deposit, the greater will be able to pick up.

Will increase its capital, if the interest rate above inflation. If not, we are talking only about saving money.

The real estate through mortgages

This option works if you already have accommodation. Perhaps you have already finished with a mortgage of one apartment and save the initial payment on the second. Overall, investing in real estate through a mortgage - a controversial move.

Suppose you buy an apartment for 3 million rubles with an initial payment of 750 thousand, and 13% per annum. Are you ready to give a monthly basis by 33.6 thousand rubles for 10 years. During this time you give a jar of 4.03 million, including 1.78 million on interest. The apartment has cost 4.78 million rubles, and it is likely that its market price do not fly for 10 years.

If this is a market of secondary housing, the apartment can take all the time. On the basis of the cost of housing, it can be assumed that the tenant will pay 20 thousand rubles a month. For 10 years he will give 2.4 million that will fully cover the interest on the mortgage, and 20% of the initial value of the apartment. In this case, housing will cost you 2.38 million.

In your own business

Let's say you have previously trained on the franchise or other way of doing mastered skills his case. Now you can invest in your own business.

Not necessary to open the company from scratch, you can buy ready-made company. Such proposals have even on sites where mainly sell hand-irons and prams. It is, of course, not about the plants. Usually, this little flower stalls, greenhouses for the cultivation of fennel, service stations, online stores, beauty salons.

Plus, such a purchase is that the company is already working: staff formed, suppliers and customers are found. What you should pay attention not to burn:

• profitability;
• reputation;
• no problems with the law;
• the rental period the room or area.

Even given the fact that the company is already working for profit will have to work hard: to understand business processes, in addition to invest in advertising.

To succeed, it is important to understand how to resolve problems, including checking what tools work, and what - no, what line of business you like and where you will be able to perfectly implement their knowledge and skills.

Roman Alekhin, founder of marketing group "Alekhin and partners"

Where to invest in 40 years

In retirement

On state support can only hope optimist. Therefore, the time to consider how to support themselves in old age. In this regard, suitable long-term deposits, "blue chips". There is another option that will bring profit only in the long term.

Buying gold

This is not about jewelry, most of the price of which is a masterpiece. Buy gold bars or coins, purchase of precious metals stocks provided. The peculiarity of this investment is that it will justify itself only a decade or two. That is just in time for retirement.

venture capital funds

Put all their money on this horse is not worth it. Venture capital funds invest client funds in innovative enterprises and start-ups, which is always risky. 70-80% of them are profitable, all hope for the remaining 20-30%.

On the other hand, a small company can grow in Google or Apple. In this case, the attachment is not only profitable but also enjoyable: you can boast that Google has invested in a conditional at the beginning of its activities.

In the property without a mortgage

Buy an apartment without overpayments and take it - a stable version of passive income. The rent is hardly possible to live comfortably, but the money will be a welcome addition to the income. In addition, the property - an asset that grows in value. The main thing - to check that the house does not appear in the list of relocation or renovation.

In health

Passive income - that's fine. But if interest rates on deposits, securities and other investments are able to feed you, you hardly face financial problems in the past. For the rest, no extra goal will be to extend the working age.

After 35 years, the body begins to slowly but surely crumble. Therefore it is necessary to check all critical systems and continue to do so regularly. A separate line should Dentistry. Now the implants are inserted into the main natural color, but for the price it's really "gold" teeth. So run up to the dentist and cure caries right now.

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Investment - is always a risk. But nothing ventured, and keep money at home, he loses a percentage of the sum of at least the amount of inflation. According to the forecast of the Ministry of Economic Development, it will be 4% in the next three yearsThe forecast of social and economic development until 2020. .

Save money at the risk or safe but inefficient store them under the mattress - which way you chose?