There are widespread stereotype that the most reliable guarantor of the preservation and growth of funds - the bank.Perhaps because of this approach, and ruined a large number of investors who blindly trust banks.In fact, today are ruined and most reliable financial institutions, even leading economies.
For example, in the United States each year dozens of banks are ruined.From the beginning, it went bankrupt seven banks.And over the past year in America declared bankrupt more than 90 banks with a total capital of 35 billion. Dollars.Do not lag behind in these statistics and financial institutions in other countries.Even in a reliable and stable Switzerland observed similar problems.
in Russia in 2010 were about 50 bankrupt banks.Now may be lost 25% of banks in connection with the more stringent requirements of the Bank of Russia to credit institutions.Thus, the number of banks may drop this year to 1025. This is the official data of the Central Bank, and some of the media believe that the banks will be about 900. In Ukraine, for the year 2011 went bankrupt 21 banks.And with the European Football Championship this summer, experts predict the ruin of even more banks.
The result is that if the aim is to financial freedom , investment with bank deposits rather risky.Against this backdrop, investment in mutual company looks more reliable.
This sure and many experts on the financial markets, asserting that the best choice for investors today is an investment in mutual funds, funds and companies, income is much used of lshie than other financial institutions.The investment portfolio should be both shares and bonds of these companies (excluding banks - it insures investors against losses and ensures a profit).
There is a stamp that investors in the crisis should lose their finances, while economic growth - increase.Investment funds in America, Europe, Ukraine, Russia rejected this view, while giving the yield from 50% to 100% per year in units of currency.
In times of crisis, investors have expressed their concerns and cooperation with reputable banks.It seemed that the banking sector would be able to develop new technologies and principles, adapted to the current situation.But effective methods can not be realized if the partners and clients of financial institutions are simply no longer trust them.And investors can understand, because the banks have reduced their interest rates on deposits.As a result, customers have started to search for new places to invest .And these objects were found - it is investment funds and companies that offer attractive conditions: receipt of interest on investment is much higher than the bank offers.Some promise to 100% of the income for the year.Manors Investment Company went further - it guaranteed a profit on a par with insurance funds investors.Today, popular mutual funds, giving the opportunity to invest simultaneously to several investors.
And in the end, I would like to describe the main activities that need to take a novice investor to intelligently select the PIF:
1. Determine what type of mutual fund you like.Best option - general mutual funds that are not associated with a particular industry.Before choosing "their" mutual fund, calculate how much risk is acceptable for you, and what amount of profit you want.If you decide to take a chance, work with stock or mutual funds with mixed investments.The lowest level of risk in bond funds, but these funds profit only slightly higher than income on bank deposits.
2. Select a management company, acting as the organizer of the mutual fund.The main selection parameter - reputation, experience, funds and interest income for the 3-ex, a 5-year period of operation (the higher the better).
3. To analyze the ratings of mutual funds.
Thus, your financial freedom without investing is simply not an achievable dream, so in choosing ways to invest funds necessary tchatelno analyzing tools on the market investing.Remember if you invest all, what you get will be like everyone else.
