Financial freedom. What Is More Beneficial Deposits Or Investments In Pythas?

There is a widespread stereotype that the most reliable guarantor for preserving and multiplying financial assets is the bank. Perhaps because of this approach and ruined by a large number of investors who blindly trust banks. In fact, the most reliable financial institutions of even leading economies are being ruined now.

For example, tens of banks are ruined every year in the United States. Since the beginning of the year, 7 banks have gone bankrupt there. And over the past year, more than 90 banks with a total capital of $ 35 billion have been declared bankrupt in America. Do not lag behind in this statistics and financial institutions of other countries. Even in a reliable and stable Switzerland, there are similar problems.
In Russia, by 2010, about 50 banks have become bankrupt. Now 25% of banks can disappear in connection with more stringent requirements of the Bank of Russia to credit institutions. Thus, the number of banks may drop this year to 1025. And this is the official data of the Central Bank, and some media believe that there will remain around 900 banks. In Ukraine, 21 banks went bankrupt in 2011. And given the European Football Championship this summer, experts predict the ruin of an even larger number of banks.

In the end, it turns out that if the goal is to put financial freedom , investing with bank deposits is rather risky. Against this background, investing in mutual investment companies looks more reliable.

Many financial market experts are also convinced of this , arguing that investments in mutual funds, funds and companies that bring in incomes much higher than other financial institutions are now the best choice for investors. In the investment portfolio there should be both stocks and bonds of such companies (except for banks - this insures the investor from losses and provides profit).

There is such a cliche that investors in the crisis must lose their finances, during the growth of the economy - to multiply. Investment funds of America, Europe, Ukraine, Russia reject this view, while giving a return of 50% to 100% per year on currency units.

In crisis time, investors express their concerns about cooperation with authoritative banks. It seemed that the banking sector will be able to develop new technologies and principles adapted to the current situation. But effective methods can not be realized if partners and clients of financial institutions simply cease to trust them. And investors can understand, because banks have recently reduced their deposit rates. As a result, customers began to search for new places for investment . And such objects were found - these are investment funds and companies that offer attractive conditions: receiving interest on their investments, significantly exceeding bank offers. And some promise up to 100% of revenue for the year. The company Manors Investment went further - it guaranteed equal to the profit insurance of investors' funds. Today, mutual funds are popular , giving the opportunity to invest simultaneously to several investors.

And in the end, I would like to tell you about the basic actions that must be taken by a novice investor in order to intelligently choose a unit investment fund:

1. Determine what type of mutual fund you like. The most optimal option is common mutual funds that are not related to a particular industry. Before choosing your "mutual fund", calculate the risk that is acceptable for you, and what profit you want to receive. If you decide to take a risk, work with unit investment trusts or with mixed investments. The lowest level of risk in bond funds, but also the profit in such funds only slightly exceeds the income from bank deposits.

2. Select a management company, acting as the organizer of the unit investment fund. The main parameter of choice - reputation, work experience, the amount of funds and the percentage of profit for 3, 5-year period of work (the more, the better).

3. Analyze the ratings of mutual funds.

Thus, your financial freedom without investing is simply not an achievable dream, and therefore, it is necessary to carefully analyze the investment tools presented on the market when choosing a way of investing money. Remember, if you invest like everything, then you will receive as EVERYTHING.