Tip 1: Where banks invest money
Tip 1: Where banks invest money
As is known, the work of all banks is aimed atReceiving a profit. They receive it from the provision of banking services to individuals and legal entities. Banking organizations invest their money in different assets.
Instructions
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For more profit creditorganizations invest their money in all kinds of areas of activity. This allows them to receive a certain income. First of all, this concerns the issue of loans to the population of the country at interest. It is the receipt of interest is the main source of profit for most banking institutions.
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The bank deposits its deposits in retailcrediting. This way of generating income for credit institutions is the most attractive. And this is even despite the fact that this business is very risky, but it greatly simplifies the procedure for the bank to enter the market.
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Also, banks use their finances forlending to corporate borrowers. To get high profits, they are doing a serious job of attracting solvent borrowers, which allows them to provide a competitive price for the proposed loan products.
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Most major credit institutionsbuy on their own money shares of third-party enterprises and even competitive banks. More often than not, banks invest finance in stocks of dynamically developing companies, as this allows them to make a big profit.
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It should be noted that the activities of banks are notis limited only by the monetary sphere. Often they invest in various scientific projects, which, if successful, can bring a good profit. In addition, credit institutions are engaged in investing in construction. This activity of banking institutions allows you to receive good dividends, which contributes to an increase in their total capital. And this, as you know, significantly increases his rating.
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Recently, banks have increasingly startedinvest their savings in bonds of Russian companies. It is bonds that can guarantee a high income, which can not be said about the shares, whose market is gradually losing its popularity.
Tip 2: Where to invest?
Here comes the bright time when you managedto save a little money for a rainy day. Naturally, you would like that this money not just lay in a glass jar, but multiplied by themselves.
Instructions
1
Bank deposits or otherwise deposits.One of the main advantages of investing in a bank is that you probably know the amount of money that you will receive after a certain period. To all other, banks, as usual, insure deposits up to 700 thousand rubles. Therefore, if you intend to invest a larger amount of money in a bank, it is better to open 2 separate deposits.
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Mutual investment funds.The second most popular way of investing in finance are mutual funds - a collective financial instrument, in which each investor's money "adds up" to a common pot and is then multiplied by professional businessmen. The main task of such managers is the search for shares with the probability of their further growth.
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Shares.Investing in securities, called shares, entitles you to receive part of the profits in the event of an increase in prices for them. However, one should not particularly rejoice - the cost can both take off and fall.
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Bonds.Securities, called bonds, as well as shares, confirm the right of its owner to receive a certain part of the profit. But the main difference between bonds is that this financial instrument is not for those who like to take risks.
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Cumulative life insurance.Ordinary insurance is useful only if something happens to you. Cumulative life insurance allows you to receive monthly payments until the end of your days.
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General funds of banking management. OIFB - the same mutual funds, however, with more opportunities for investment. On the one hand, it is more profitable, but on the other hand it is just as risky.
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Structured (structured) products.The essence of this financial instrument is very simple - part of the finance (about 90%) is invested in the bank, and the rest is invested in options and futures. This profitable scheme allows at worst to stay with its money, and in the best - make a profit of 20-30 %.
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Gold and precious metals. It is very profitable to invest in gold during the domination of the crisis. However, once the crisis has receded, the price of precious metals inevitably falls.
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Real estate. Deposits in real estate usually occur at the stage of its construction. Then the square meter costs several times less than when the building is handed over.
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Business. One of the most unpredictable ways of investing money. Business, in its essence, is unlimited dividends, the level of which depends only on your efficiency and ingenuity.
Tip 3: Where to invest cash
The question of the effective investment of a certain amount of cash often makes one seriously ponder. Many modern variants are offered by the modern economy, but risks must also be taken into account.
Instructions
1
Choose a reliable bank. This is the most common way of investing money. It is necessary to apply to a bank that enjoys a good reputation, is considered reliable. Ask for help from a consultant who will talk about various deposit programs and help you make the selected deposit.
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Consider investing in a ready-madebusiness. Study the enterprises and their business plans, order an audit of the enterprise, the market you are interested in. Order the services of a paid consultant, which will increase the probability of successful investment and significantly reduce the risks.
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Invest in real estate. Few things can compare with the real estate market, but the second side of the coin is in any business. Purchases are quite expensive, and fluctuations in the price can also be great, as well as the risks of getting on an unscrupulous developer.
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Buy precious metals. This investment option should not be discounted. You can turn to gold - buy cheaper, and sell more. It seems to be quite simple, that's only to accurately predict the fluctuations of the market is not always obtained even by professionals.
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Get the securities. Here, as with any investment of funds, it is worth remembering that the market is constantly changing, you need to be cautious about this method of investing. Consult an analyst who will recommend profitable solutions. If the plans have investments in securities, games on the stock exchange - it is worth to go through minimal training and be aware of the events, even if you trust money to professionals.
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Look for options on the Internet. The site can bring not a bad passive income. You can create a website yourself, but you can contact the professionals. There is an option and purchase a ready site or invest in startup.
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Invest in the mutual fund. In fact, this way of investing can be called the simplest of passive investments. It is worth remembering that in this case, the money will be disposed of by a third person, and the risks will have to be taken all the same by yourself.
