Variants of investing money for profit. All existing investment tools

All possible ways of investing money for profit are available to every person who has managed to create a certain resource base. The difficulty is to make a competent choice of a niche and a specific company in particular. In order to save your funds and subsequently multiply them, you need to be able to evaluate various investment projects and the selected market segment as a whole.

Profitable investments of funds

Those who intend not only to enjoy the fact of investing accumulated capital, but also to receive generous interest, it is worth considering a few simple but extremely effective principles.

First of all, this is income diversification. In other words, there are several sources that generate a financial stream. This will minimize the risks that are known to be unavoidable in the difficult matter of investing.

When forming an investment portfolio, it is necessary to understand that in a percentage ratio, instruments with a high risk share should account for the smallest proportion. The main attention should be paid to the most stable investment directions, which, although they do not bring super profits, but are characterized by a low level of risk.

Main types of investments

If to speak about effective investment of money resources, it is necessary to allocate initially key directions which can be actual for investors:

- Investments in the creation of a new production. It's about launching a new enterprise or about the process of reconstructing an existing one. The latter option is relevant in the event that it is necessary to enter new markets or start production of any products.

- Investing in someone else's business - the so-called equity participation.

- Expansion of own production and increase of its efficiency.

- Investing in intangible assets. In this case it is necessary to understand the investment of funds In such objects as trademarks, licenses, copyrights, patents, etc.

- Net investment, the essence of which is reduced to the acquisition of a new company.

- Gross investment . It is a question of combining reinvestments and net investments into a single complex. The purpose of such a maneuver is to acquire and generate additional funds for production, which will support the basic funds of the organization.

- Investments of funds for profit May include Work with venture projects, as well as start-ups.

- Do not forget about futures and options.

- Attention also deserve bonds, shares and bank deposits.

- It makes sense to invest in precious metals, mutual funds and real estate.

- For those who like to take risks, PAMM accounts in the foreign exchange market will work.

In the following sections, some of these areas will be discussed in more detail.

Venture projects and start-ups

If you try to allocate the most profitable investments, then it's worth starting with this segment. This type of investment is associated with a sufficiently high degree of risk. In this case, there will be a significant profit, or nothing. Various investors periodically invest money in such directions, but they initially understand that they can lose all the funds that were entrusted to a particular team of start-ups.

But in case of success, investments will be justified many times. For those who want to test their business flair in this area, there are special start-up exchanges, which present various projects requiring funding.

Venture investment can also include investing money to earn a profit in investment funds, which in turn are engaged in redistributing the funds received into various liquid instruments.

There are also accumulation funds, acting in fact under the scheme of trust management and giving investors the opportunity to receive a fixed percentage of the invested funds.

PAMM-accounts

If you consider the most profitable investments, you need to understand the topic of PAMM-accounts, since they are able to generate a fairly high income. But it is also worth noting that this method of forming a financial flow is risky. In fact, this is one of the most common instruments for investing in financial markets.

Investors in this case receive income from speculative operations, which are performed by other persons, who are trusted with the money invested. Traditionally, traders in the financial markets are engaged in experienced traders who offer open trade statistics so that the investor can assess potential risks.

As a result, investing money for profit in this segment means choosing a dealing center offering a PAMM-account, as well as a specific trader, who will manage the funds entrusted to him. At the same time, such accounts have certain rules of entry and exit. These are the following conditions:

- the period within which the profit is fixed (the timing of the calculation);

- the minimum amount of investment;

- the amount of commission that the trader receives;

- the conditions under which the withdrawal of funds.

In most cases, investors invest in several positions, choosing traders who have a more risky but profitable strategy, and those accounts that do not give a large percentage, but are stable at the same time.

Bonds

This tool definitely deserves attention. In this case, it is a concrete type of the borrower's obligations to investors. In the role of borrowers often act different companies in need of certain funds. They take money from investors at interest for a specified period. In exchange, depositors receive bonds that confirm the fact of their investments and further return of a fixed interest.

Any enterprise operating under this scheme guarantees its own property to pay the received financial resources. If you focus on the average, then the interest on the bonds will be from 8 to 12% per year. Such an investment tool can not be defined as the best investment of funds, but it deserves the right to exist, because it has a high level of reliability. As for net profit, it is sufficient to cover inflation and, albeit slowly, but steadily increase its own capital.

Promotions

Another way to increase financial resources is to invest money in securities. By purchasing shares, investors get the right to own part of the company to which the purchased securities belong. The essence of earnings is quite simple: you need to analyze offers in the stock market and choose the most promising company, which, according to forecasts, should grow. Investing in the shares of such an enterprise, you can count on a stable growth in their value, and therefore, and possibly sell securities at a higher price.

But in this case there are certain risks. First of all, this drop in the value of shares, which will mean a loss of money. Another opportunity to say goodbye to the enclosed finances is the default of the company that issued the shares. Therefore, to the process of analytics before buying securities should be approached extremely thoroughly.

As another additional source of income in the case of shares, in addition to the growth of their value, you can determine the payment of dividends, which is made by the company annually. Their size is approximately 0.5-1% of the share price.

Mutual Funds

Considering the various options for investing money, Do not lose sight of mutual funds. Their essence boils down to the fact that a certain number of participants unites their financial resources for the acquisition of various assets, including bonds and shares. At the same time, there is a fund manager who, having the necessary qualifications, provides a competent and profitable investment of trusted funds in current assets.

In Europe and the United States, such companies have long been recognized, and their number is constantly growing. This investment tool has several obvious advantages:

- First of all, this is the complete transparency of all processes. The system of collective investments implies constant reporting both to the depositors themselves and to the organizations performing the checking function. The reports provide information on transactions and transactions in which the assets of the fund are involved.

- Absence of the need to acquire financial literacy for those who invest in mutual funds. Instead of investors, the employees of the management company will think, who, in turn, have a sufficiently high qualification.

- Saving time. An investor who has made a choice in favor of unit investment funds does not need to analyze the securities market, delve into the affairs of a particular company and conduct an assessment of the situation.

With such advantages, mutual funds can be safely placed in the category "The most profitable investment of cash", as they not only allow to ensure a stable and fairly high income, but also do not require the active participation of the investor, releasing temporary resources for other businesses.

Precious metals

This category of investments should be considered separately, since it involves some important nuances. First of all, it is worth noting that under precious metals you need to understand gold, silver, palladium and platinum.

You can buy them in the form of ingots and coins, as well as through the design of the so-called metal account in the bank.

Considering the prospect of purchasing ingots, it is important to pay attention to the current Tax Code of the Russian Federation. The fact is that the law defines the ingots as property, which means that if they are sold, they will have to pay VAT. This surprises do not end: when trying to sell the ingot to the bank, the investor will face the need to pay 13% of the income tax.

More profitable way will be the purchase of investment and commemorative coins. Both of them have a rather high demand and allow us to get a stable growth of capital. In addition, if sold, you will not have to pay VAT, although you will not be able to avoid paying income tax.

The conclusion is simple: considering the different ways of investing money in gold and other noble metals, attention should be paid primarily to coins. But if the investor is more interested in the safety of his funds, it is better to take advantage of the possibility of opening a secure account in the bank.

You can choose and "impersonal" metal account, which, in fact, serves as a deposit, but instead of currency, precious metals are used.

You can also invest money in securities that are secured by gold. It is not necessary to exclude the possibility of earning on the acquisition of shares of gold mining companies.

Investments in real estate

This direction of investment has allowed many people to earn significant amounts of money. But it is important to understand that such activities require a competent approach, otherwise the size of capital due to unsuccessful investments can be significantly reduced.

But first, it makes sense to pay attention to the advantages of this way of earning:

- when raising the prices for real estate you can earn;

- significantly more profitable bank deposits, because it allows you to receive income stably and in much larger amounts;

- residential and especially commercial real estate is able to bring a good profit through a lease;

- there is always the possibility of increasing the liquidity of certain objects due to improvement of their condition (repair, technical equipment);

- Possession of real estate gives an opportunity to take in the bank large loans for other investment projects and create new sources of income.

One of the most basic risks in this type of investment is the fall in the real estate market. In this case, the opportunity to profit from the sale of objects is blocked.

A sufficiently profitable option is to invest in the primary real estate market. On the sale of an apartment in a new building you can earn good money, especially if there are several objects. This is one of the most common areas in which money is currently invested. Short-term financial investments at the same time are associated with some risks. If you are not lucky enough to deal with a bad developer, then the construction of the house will be frozen indefinitely, as well as the money invested in it.

Therefore, before investing in primary real estate, you need to carefully study the reputation and qualifications of the company-builder.

Results

It is obvious that there are a lot of instruments that allow investors to invest profitable capital. But each of them should be approached thoroughly, given the possible risks. With a neat and thorough investment strategy, you can use several opportunities simultaneously and successfully diversify your income.