“The kopeck protects the ruble” - this popular wisdom testifies to the fact that the issue of accumulating and saving money has been worrying our people for several generations. Savings were accumulated by our parents and more distant ancestors in the hope of ensuring for themselves, if not a rich, then at least a well-fed future. At the same time, the question " Where to invest money? " was not particularly important. They were kept either in a passbook or “under the mattress”.
How does a savings strategy differ from an investment one?
Recently, the economic environment has been changing rapidly. New concepts literally burst into our life, followed by new rules of the game. The old principles of dealing with money, seemingly tested by generations, began to fail. Money depreciates at an unpredictable rate. Currencies come and go. The market is increasingly dependent not only on the economic position of corporations, but also on many other unpredictable factors.
The concept of "investing" is already firmly entrenched in corporate and business circles, and is increasingly being introduced into the masses. At first glance, it might seem that "investing" is a new, fashionable name for saving. In reality, this is wrong. What do we call savings? This is the process of gradually accumulating money up to a certain amount or until a certain point. The purpose of saving is to ensure at a certain point in our life (in the future) the availability of a certain amount for any purpose (large purchase, wedding, gift, or "for a rainy day"). At the same time, the only source of the coveted amount is the primary source of such savings (salary, pension, etc.).
Investing means investing money in the development of an enterprise, project, research, etc. for the purpose of subsequent receipt of income. In other words, the investor's money is first used for growth and development, and then returned to him as part of the profit from the activities of such an enterprise. It should be understood that there is no guarantee of return on the invested funds. Moreover, there is no guarantee of making a profit. The probability of success will have to be assessed by the investor himself, or he will rely on the professionalism and luck of the entrepreneurs, into whose hands he entrusts his hard-earned money.
Where is the best place to invest?
For investors, this is the most pressing issue. Experienced investors understand that there is a wide range of investment opportunities. A classic example of investing is direct investment. In this case, the investor gives money to the entrepreneur to develop his business, and in return receives a higher amount within the agreed time frame, or a constant income as a percentage of profit.
For investors, this is the most pressing issue. Experienced investors understand that there is a wide range of investment opportunities. A classic example of investing is direct investment. In this case, the investor gives money to the entrepreneur to develop his business, and in return receives a higher amount within the agreed time frame, or a constant income as a percentage of profit.
An alternative to direct investment is investing in securities, as well as paperless digital investments. Each of these types of investments deserves a separate and more detailed description.
