In conditions of economic instability, there are few people who are not interested in maintaining their own savings. How to save and, if possible, increase funds is a question that both professional investors and ordinary citizens are looking for an answer to. We bring to your attention a rating of the best places where you can invest money in order to save it and increase it.
5. Investments in precious metals
In conditions when traditional money is not credible, about 10 percent of Russians consider the acquisition of precious metals as the most reliable way to preserve their savings. Indeed, many experts believe that the cost of gold will increase in conditions of instability in the markets, so its acquisition is a worthy choice in the long term. However, the prices for precious metals are rather unstable, they are influenced by many factors. The most price-stable precious metal is gold. However, it is also impossible to guarantee a continuous increase in its value.
Those who choose this particular method of preserving their savings should make a choice between purchasing metal in physical form (ingots, coins, jewelry) and depersonalized metal accounts. The advantages of physical form include the fact that ingots and jewelry are not able to depreciate completely, however, they are not too liquid and the investor will need to ensure their reliable preservation. Metal accounts are easy to open and close, however, they are not covered by the state guarantee on deposits, so you should choose the most reliable banks for investment.
4. Investments in securities
It is this type of investment that can really block the inflation rate. However, securities is a tool that requires at least minimal financial literacy. If you have doubts about your ability to navigate the market, it is better to trust the professionals or opt for more reliable “blue chips”. But it should be remembered that investing in securities is one of the rather risky ways of investing funds.
3. In third place is the good old "little egg"
And today, many people prefer to keep money in cash at home. Among the advantages of this method, one can only note the availability of funds - they are always at hand. But there are quite a few minuses, and the very first one is inflation, which stubbornly depreciates money if it doesn’t work. In addition, there is a risk of not resisting and spending the accumulated under the influence of the impulse. Do not forget about the need to constantly provide the eggplant with reliable protection - unfortunately, apartment theft is not so rare.
One of the varieties of this method is the acquisition of foreign currency in cash. Such a method of investing can bring income if you play successfully on the difference in exchange rates, but it can also lead to loss of fortune. In addition, cash in foreign currency will also require a reliable place to store.
2. Investing in real estate
About 20 percent of respondents to the question "Where to invest available funds?" They call the purchase of real estate the most reliable way to preserve and increase savings. Moreover, according to experts, the purchase of an apartment is a more profitable investment than buying a home. The apartment is more liquid in comparison with the house, that is, it will be easier to sell it if necessary. And in the event that it is planned to receive a stable income from the rental of real estate, then it is again easier to find a tenant for an apartment than for a large house.
Some investors prefer to invest in commercial real estate. This method of investing money can be quite profitable if the choice of the object of purchase is considered taking into account the demand for premises of a certain area in a particular area.
1. Bank deposits became the leader
More than a third of Russians confidently choose this particular method of saving savings. Of course, a bank deposit can significantly reduce the depreciation of savings compared to storing them in cash. In addition, the confidence of depositors has increased significantly since the introduction of the insurance system, guaranteeing a refund of up to 700 thousand rubles.
However, it is unlikely to be able to overtake inflation by putting money on deposit. The deposit rate will always be lower than the rate of depreciation. When choosing the highest rate, the deposit term is usually substantial - from a year or more.
Bank deposit is a popular way to preserve savings due to its comprehensibility, accessibility, and low risk. According to experts, it is best used in combination with other methods.
This is the five most popular ways of investing money among the population. When choosing what is right for you, remember - most experts recommend focusing on a combination of several tools for saving and increasing funds.
