The most profitable investment
1. Bank deposits (deposits).
The advantage of investing in a bank is that you know exactly how much money you can make over a period of time.It is also very important to know about bank deposits that today deposits up to 700,000 rubles are insured by the bank. This is done so that customers don't lose their money in the event of bankruptcy. If you intend to invest a large amount of money in the bank, say a million, it is advisable to divide it into two parts and open two deposits.
2. Investment funds (mutual funds).
This is the second most popular investment method. In short, PIFs are a collective financial instrument. When investors' money is put into one large pot, professional managers multiply with that large amount of funds using various methods.Shareholder funds (as they call those who have invested their money in a PIF) are typically invested in stocks, bonds, gold, and currencies. The job of professional managers is to find stocks that have fallen in price at the time of purchase and that are likely to continue to rise.
3. Promotions.
A share is a security that confirms its owner's participation in the company's capital and gives him the right to participate in its profits. Compared to other financial instruments, an investment in stocks is more profitable in the long term, but at the same time very risky.4. Obligations.
A bond is a debt instrument that affirms its owner's right to receive a certain amount of money from the issuer.This financial instrument is aimed at people who do not want to take any risks. In general, the profit from bonds is no greater than that from bank deposits.
5. Life insurance of the property.
If the regular insurance only pays you a certain amount in the event of an insured event, in this case, if nothing has happened during the entire contract period, you can either receive the entire amount accrued during the contract. these years in full or receive a monthly payment. . until the end of life.6. OFBU.
OFBU is the abbreviation for General Funds of the banking division. In fact, they are the same mutual funds but with broader investment functions. On the one hand, this is an advantage because by investing in OFBU you have the opportunity to increase your profit through broader combinations of investments. On the other hand, it's riskier.7. Structural (structured) products.
A structured (structured) financial product is a complex financial instrument that is usually issued by commercial and investment banks and is tailored to specific customer needs.The essence of the structured product is simple: 80-90% of the funds are usually invested in bank deposits or bonds, the remaining 10-20% in futures and options.
All of this makes it possible in the worst case to keep your money and nothing to lose, in the best case to make a profit of around 20-30%. It's not much, but it's higher than the return on bank deposits.
8. Gold and precious metals.
When crises hit the world waiting to be over, investors pull their savings from stocks, bonds, and other financial products and then invest in gold.Once the crisis has subsided, investors immediately start looking for more profitable investment opportunities. This is the reason why the price of gold rises during difficult times. But then the price of precious metals inevitably goes down.