investments are a guarantee of financial stability, well-being of modern man.Money should bring income.But how does it ensure that if a country is in crisis?Where to invest money in a crisis?
way to invest
By way of investing money, there are three types of people: the Conservatives, "extremals" and a cross between these two types.And if we are talking about a crisis in which the country's economic situation is unstable and make any forecasts are not taken even the experts-analysts, then it is better to follow the example of conservatives and invest only in reliable sources.So, we see what can be considered a reliable investment and where to invest the money in a crisis?
«eternal values»
Always invest in the "eternal values", and in material terms is real estate and gold.It is this property will always be in the price, the fall in prices in this category of investments is insignificant.The apartment, for example, can generate income in the form of rent.But gold can be purchased not only in the form of jewelry, but unallocated metal accounts in banks.In the latter case, the income generated by increasing the value of gold in the metals market.This contribution is considered a more reliable alternative to the "games" in the stock market and is well suited to the conditions of the crisis.
Deposits
Where to invest money in the crisis, in the second place?Bank accounts, deposits called, saves and save money.If you open a deposit without the possibility to withdraw money within a year or two, then you multiply your savings at 6% per annum, and in the Savings Bank of Russia - 8.5%.There are, of course, suggestions and 13-14%.Each is worth considering: pay attention to the deadlines, the possibility of replenishment of the deposit and the conditions of the consequences if you suddenly take off the money ahead of time.
But then another question arises, in what currency to open an account?Dollar, euro, ruble - they constantly change their value.Despite the fact that the crisis in the US has led to a steady growth in the euro and the depreciation of the dollar, the ruble, it is not necessary to translate all the savings in euros.Experts recommend keeping money on deposit in all these currencies, so you reduce the loss (win somewhere, somewhere loose, and eventually saving preserved and multiplied by the interest rate per annum).This option is easier than trying to calculate profit: adjusted for inflation, the depreciation and the interest rates on deposits in rubles (6%), US (2%), the euro (3%).
Give the bank instructed to transfer from your savings account, which receives monthly payments (wages, benefits, pensions), is automatically a certain amount on deposit in the amount of 10% of revenue.True to open an account you will need a substantial amount of money, even though the banks are ready to open an account for you and for 1000 rubles. But then the year will accumulate a little bit.
Mutual funds
More where to invest money in a crisis, prompt "professional" investors, who are used to invest in promising business projects in developing spheres of national life (co-construction).From the same direction came mutual funds - the general fund investors.And with the development of this form of investment, many experts, analysts began to equate them to keep money in bank deposits, saying, thus the reliability of mutual funds.However, investments in mutual funds generate big profits, but at the same time is a more risky way to invest, especially in a crisis, when all stock funds are down in price, and no one can accurately predict when they will start to grow again.But ... Numerous services on the Internet sites of banks to help calculate the possible risks to the same banks offer the services of its managers on your investments on trust.The minimum contribution to the mutual fund is 15 thousand. Rub.This means that if you want this method of investing can be made available to every Russian.
Securities
It is another way of investments - are securities (certificates and notes).Purchased for storage savings.They can be used as collateral for credit commitments.But if you are looking where to invest a lot of money, not to lose them - this is the best option.You will need help reliable expert in the securities market, to find out what the notes or certificates are now "in the price".
Here we have answered the question of where to invest the money in a crisis: in things that will always be of value in the safe deposits of banks under a steady income of 6% in mutual funds and securities.Choose what you closer ...
