investments in various shapes and forms so deeply penetrated into our daily lives that many people, even those not directly related to the investment have a general concept that is investing.Essence and types of investments from different authors are slightly different.Let us examine this definition of investment:
Investments - is to invest in any form of (property, money, securities it.d.) objects in economy for profit or solve any social problems.
types of investments.
In economics, investments are classified on objects of investing in the financial and real .Real investments involve investment in operating activities of the enterprise and household staff.Financial investments - is to invest in securities and other financial instruments.
The level of investment risk investments can be of four types: risk-free, low-risk, sredneriskovye, high-risk and speculative investments .Explanations are required only for the latter type of investment.By type of speculative investment we have always expected the highest level of income, but money invested in dubious risky investment projects.
By the nature of participation in the process of investing investments may be direct or indirect. In direct investment, the investor himself investing, most often in the statutory funds of enterprises, securities and so forth. In the indirect investment of money involved in the placement of financial polsredniki.
As the investment period are the following types of investments: short (up to one year) and long-term (over a year).
Types of investment by ownership: private and public .
And, finally, regional origin, distinguished national and foreign investment .
Although economic nature and types of investment are many definitions and explanations for the average person is much clearer is another classification of monetary investments.Consider the types of investments, the most comfortable for a natural person:
- Contributions .One of the most convenient ways of placing their own free agents.It is enough to come to the bank and find out term interest and the general conditions for deposits, and then choose the appropriate one.The only difficulty will be in a variety of banking proposals.
- Mutual funds .For those who are just beginning to comprehend the basics of profitable use of capital, this investment - the most convenient and at the price and method of decision-making.The investor buys the shares, which is nothing but the stocks or bonds of a company.Interest is charged on the amount of investment.
- Asset management involves the transfer of money or securities of a legal person for profit.From the resulting profit will have to deduct a certain percentage of "asset manager".
- Consolidated Fund bank management. In this case the property several founders controls a credit institution.
- Investment Property quite expensive , and the level of risk is very high.As a result, investing in property can be equally likely to win and lose.
- state pension funds make the emphasis on investment in ensuring a decent retirement.These funds manage pension assets.
- Credit unions are characterized by high risk and high profitability.The scheme resembles investment bank deposits.
- Independent trade securities bumanami requires a certain knowledge and skills of the investor.
- business investment - a direct investment.About business in which you are going to invest the money needed to collect the maximum amount of information.
