WHERE TO TAKE MONEY AND IS A BANKING CONTRIBUTION RELIABLE

Is it enough to have a job with an average salary in your city to feel happy and secured? Of course not. Even if you are a very thrifty person, every substantial waste creates a hole in the budget. For example, buying winter clothes, celebrating the New Year, or going to the sea with children. And if you can postpone or reduce some expenses, then there are things that are not saved. This is medical care and essentials.
WHERE MONEY IS TAKEN AND THE BANKING CONTRIBUTION IS RELIABLE: shares, money, annual, can, money, profit, only, business, invest, which you get, profitability, portfolio, which, money, companies, offers, banks, for example, rubles

In the photo: A frame from the film "The Fields of Darkness"
How long does it take to start investing?
“Avoid fashion companies in fashion industries. Investing in great companies in calm and non-growing industries consistently brings excellent returns. ”
Peter Lynch, American financier, investor
People have always wanted to understand why the rich are getting richer all over the world, and the poor are losing the last. They even searched for the answer to their question in esoteric books.In fact, everything is very simple. Those who have even a small amount of free money can invest in already proven successful projects and make significant profits without working. Your money will work for you. And people who have large sums of money hire business analysts who manage money. But if you can hardly survive for a monthly salary, it is clear that there is nothing to save and save. And if, God forbid, a child gets sick or home appliances break down - it will be a disaster.
To start investing money, you don’t need to be a rich man or a big businessman. Let's imagine that you have 100,000 rubles, which you can dispose of in different ways. For example, you can buy the latest Apple iPhone X 256Gb Space Gray for 95.050 rubles and feel like a modern and successful person. But after a couple of years over the phone, which today is admired by the views of colleagues, will laugh. The paint will peel off, and some of the programs will cease to function.
You can choose a large bank, half of the shares of which were bought by the state, and put money into the account at the lowest interest rate to eliminate possible risk.But today even large investors refuse to place their savings in banks, since the maximum rate offered by banks is no more than 11% per annum. In your case, the income can be no more than 5% per year, but, most likely, you will not get a profit because of inflation. At best, you will remain in your best interest.
There is another possibility - investment activity, that is, investing your money in a ready-made project for profit. Today, investing in a small business at minimum cost brings profit worthy of attention. The profitability in the sphere of services of passenger carriers is striving for 83% per annum, for cargo carriers to 119%, and the yield from the sale of building materials to 98% per annum.
Bank deposit does not guarantee
The most important start on the road to a long-term financial plan is the accumulation of money in a bank account. When you come to a bank branch, you are wondering how much interest you can get per annum. But the maximum return on the deposit is possible only under certain conditions associated with high risk. And the more money you are willing to trust the bank, the greater the percentage you will receive.
WHERE MONEY IS TAKEN AND THE BANKING CONTRIBUTION IS RELIABLE: shares, money, annual, can, money, profit, only, business, invest, which you get, profitability, portfolio, which, money, companies, offers, banks, for example, rubles

In fig .: What kind of income will you receive in 5 months if you deposit 100 thousand rubles?
Most of the depositors immediately refuse to invest, because they are sure that bank deposits, though they bring a small profit, but guarantee the safety of capital, and make a ruble contribution at 3-5% per annum in a large bank. Others make an even bigger mistake and choose banks with high deposit rates.
In 2016, business publications wrote a lot about the reorganization of Otkritie Bank, and in May of the same year, licenses were immediately withdrawn from three banks (Krossinvestbank, Miko Bank, Stella Bank). The Insurance Agency received more than 2,000 applications from defrauded depositors, in which it was indicated that information about their deposits was not in the bank’s registry or funds were lost from accounts. As you know, insurance payments are made after the license is revoked on the basis of accounting statements, and if your data unexpectedly disappeared from the bank base, then you will not receive any compensation. In a pinch, you can go to court, but it can drag on for years and require financial investments. And now imagine what people felt who were put before the fact that their money was gone, and there are no documents about the deposit?
Contributor Krossinvestbank Olesya Denisenko told RBC that she opened a deposit in the bank in the amount of 530 thousand rubles. in February: “When I came for insurance, I had only 7 thousand rubles on my account, in fact, these are only interest on the deposit”.
Sberbank has such a service as deposit insurance. But if the safety of your contribution is not guaranteed, what is the point of doing it at all? In addition to the disappearances of money and jewelry from the cells, telephone scams and problems with bank cards, now fictitious applications have appeared on the Android mobile platform. That is, you think you downloaded a customer support program. Enter and enter your data that scammers get and withdraw all funds from your card.
Inspiring stories of liars
The rule “money makes money” is confirmed by a huge number of “entrepreneurs-scammers” who exploit the legend of a poor but enthusiastic schoolchild from the province who believed in himself and risked, therefore he achieved everything. You ask: where is it? I'll explain now.
Suppose you are a young man who has amassed a small amount of money working in the repair business.You want to start your own business or invest in an already ready business, but you are not sure yet. Will it work out? And suddenly there is a boy from the province who says that he is 20 years old, but he built a business from scratch, and now the owner of a network of cafes and hotels, etc. Ready to share secrets and talk about the main principles of investment, here is his book, sign up for seminars, invest in his business, etc. Another Ayaz Shabutdinov. You buy his books, listen to lectures, and then learn that his dad is an entrepreneur, and he himself is a dummy. And his brilliant story is another PR campaign.
Or you get a touching story about a very talented little girl who loves fashion. The girl herself creates dresses and costumes, dreams of making people stylish. Somehow, the baby opens the clothes line and Paris Hilton arrives at her party. But, unfortunately, it soon turns out that the young talent is the daughter of a millionaire, and things, to put it mildly, of disgusting quality. The company went bankrupt and it was closed.
Usually “success stories” have two ways of development. When you decide to make inquiries, either a successful business turns out to be two station tents in Taganrog, or a marketing ploy and a company opened with the money of the deputy father.
Why financial planning is so important
“Investing should be as exciting as watching growing grass or drying paint. And if you want to drive, take $ 800 and go to Las Vegas. ”
Paul Samuelson, American economist
It is important to understand what you are investing in and what profit is real. We have already figured out that even a contribution to the bank does not give you guarantees, although large banks, unlike commercial one-day projects, are more reliable. But how rational and honest is the financial planning that the most famous organizations in this field offer? Sberbank also offers investments and securities. For example, you can invest in mutual funds by selecting one or more funds. At the same time, the average yield of about 19% per annum is only promised to you by an “aggressive” portfolio, designated as “high risk”.
WHERE MONEY IS TAKEN AND THE BANKING CONTRIBUTION IS RELIABLE: shares, money, annual, can, money, profit, only, business, invest, which you get, profitability, portfolio, which, money, companies, offers, banks, for example, rubles

In Fig .: An example of a financial portfolio from analysts of Sberbank, selling shares of Lukoil and Sberbank as the only profitable
Here is a set of mutual funds offered in the absence of loans, confidence in income and the desire to get the maximum profit.Financial analyst Sergey Spirin wrote in his blog that the financial planning offered by Sberbank is distinguished by its aggressive marketing policy and its portfolio has a strong margin in favor of Russian issuers. All instruments are Sberbank's own funds, which is predictable.
Investment company Finam offers on its website just such a portfolio structure. While we can not see the detailed composition of the portfolio, as it is a paid option. Most likely, the proposal is determined by the services offered by the company itself. The total share of Russian and US stocks is at least one-third of the portfolio, there are no emerging market stocks, and there are no stocks in Europe. It seems that the company needs to sell certain bonds and access to the foreign exchange market.
WHERE MONEY IS TAKEN AND THE BANKING CONTRIBUTION IS RELIABLE: shares, money, annual, can, money, profit, only, business, invest, which you get, profitability, portfolio, which, money, companies, offers, banks, for example, rubles

In pic .: Financial portfolio from Finam.ru with clearly inflated promises of profit
The average yield of 46% per annum looks so unreal that it leaves no chance to believe the company. But people have extremely low financial literacy and are usually completely unaware of the distribution of assets. But not only analysts Finam or Sberbank manipulate investors andthey act on the same principle, that is, they try to sell you those services and goods that they have, all companies work this way.
Now a lot of bureaucracies have spawned, like the “Benefactor Holding”, where you too will be offered to invest your money for a steady income of up to 30% per annum. As you may have guessed, the entire financial portfolio will consist of their own dubious businesses. For example, at the moment they offer to invest money in the sale of unknown drinking water and some kind of mud therapy to anyone.
BCS and Finam are strongly advised to buy Aeroflot shares, citing the fact that they have fallen significantly in price and can be earned. But following this logic, you can buy everything that fell, and not wait for the increase, completely burned. If the last 5 years of Aeroflot shares have fallen, why should they take off as soon as you buy them? And if the shares of Lukoil and Gazprom are considered to be a profitable investment and everyone buys them, where will the big interest and profits come from?
Instead of conclusion
About how bank deposits and investment - a risky business, it became clear to me on the example of the story that happened to my friend.He received an inheritance after the death of his parents and decided to buy shares. Since he did not understand finance and economics, but was not a stupid man, he hired a business analyst. He recommended to invest in the shares of the two most reliable and old enterprises at the smallest percentage. Revenues are small - but stability and confidence. What happened next, you guess. In the first year, both companies went bankrupt and for their shares they did not give even a dozen rotten apples.

Related news

WHERE TO TAKE MONEY AND IS A BANKING CONTRIBUTION RELIABLE image, picture
WHERE TO TAKE MONEY AND IS A BANKING CONTRIBUTION RELIABLE 74


WHERE TO TAKE MONEY AND IS A BANKING CONTRIBUTION RELIABLE 66


WHERE TO TAKE MONEY AND IS A BANKING CONTRIBUTION RELIABLE 60


WHERE TO TAKE MONEY AND IS A BANKING CONTRIBUTION RELIABLE 63