•5 years
I have accumulated some capital so what is the best way to keep it in order to save it to some extent from loss of value.
I have accumulated some capital so what is the best way to keep it in order to save it to some extent from loss of value.
I have accumulated some capital so what is the best way to keep it in order to save it to some extent from loss of value.
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First of all, consider this:
1 \. for how long are you ready to put your funds into a specific asset,
2 \. what level of risk are you ready for,
3 \. what level of knowledge do you have, because you shouldn't invest in products that you don't understand. It's a straightforward way to make bad decisions.
As for point 1 - those who withdraw money too quickly because they suddenly decide that they already need it do not do well. If you are planning some larger expenses in a while, maybe it's better to just put your savings on the deposit. This way you will avoid stress and unnecessary costs.
Simply put, we distinguish short, medium and long-term investments. Usually, the highest rate of return can be obtained in long-term investments, but in this case, expect a time horizon of 5-10 years.
An example of such an investment is the purchase of shares on the stock exchange. Each stock market has its better and worse times (i.e. bullish and bearish periods), but patient investors with appropriate portfolio diversification achieve satisfactory results because they average risk and increase the chances of exiting at the right time in the cycle.
If you don't want to wait that long or are afraid of the risk, then think about bonds or some safer mutual fund. There are many types to choose from, but I don't think you can earn anything beyond inflation. These investments are characterized by a moderate degree of risk.
Short-term investments are for people who want to liquidate funds easily within 12 months. These can be deposits, savings accounts, purchase of foreign currencies, and even stocks on the stock exchange - the only important thing is whether this asset can be quickly sold if necessary. Profits depend on the degree of risk - you can, for example, get into cryptocurrencies and, depending on the market situation, earn a lot, break even or even lose. You will not lose on the deposit, but the shorter the term, the lower the interest rate at the bank. Something for something.
If I were faced with such a decision, I would divide the money into 3 parts and diversify my portfolio between different financial instruments. And I would avoid the riskiest ones, unless you intend to constantly monitor the market and educate yourself. This type of investment is not suitable for people who just want to put in money and forget about it for a while.
1 \. for how long are you ready to put your funds into a specific asset,
2 \. what level of risk are you ready for,
3 \. what level of knowledge do you have, because you shouldn't invest in products that you don't understand. It's a straightforward way to make bad decisions.
As for point 1 - those who withdraw money too quickly because they suddenly decide that they already need it do not do well. If you are planning some larger expenses in a while, maybe it's better to just put your savings on the deposit. This way you will avoid stress and unnecessary costs.
Simply put, we distinguish short, medium and long-term investments. Usually, the highest rate of return can be obtained in long-term investments, but in this case, expect a time horizon of 5-10 years.
An example of such an investment is the purchase of shares on the stock exchange. Each stock market has its better and worse times (i.e. bullish and bearish periods), but patient investors with appropriate portfolio diversification achieve satisfactory results because they average risk and increase the chances of exiting at the right time in the cycle.
If you don't want to wait that long or are afraid of the risk, then think about bonds or some safer mutual fund. There are many types to choose from, but I don't think you can earn anything beyond inflation. These investments are characterized by a moderate degree of risk.
Short-term investments are for people who want to liquidate funds easily within 12 months. These can be deposits, savings accounts, purchase of foreign currencies, and even stocks on the stock exchange - the only important thing is whether this asset can be quickly sold if necessary. Profits depend on the degree of risk - you can, for example, get into cryptocurrencies and, depending on the market situation, earn a lot, break even or even lose. You will not lose on the deposit, but the shorter the term, the lower the interest rate at the bank. Something for something.
If I were faced with such a decision, I would divide the money into 3 parts and diversify my portfolio between different financial instruments. And I would avoid the riskiest ones, unless you intend to constantly monitor the market and educate yourself. This type of investment is not suitable for people who just want to put in money and forget about it for a while.
First of all, consider this:
1 \. for how long are you ready to put your funds into a specific asset,
2 \. what level of risk are you ready for,
3 \. what level of knowledge do you have, because you shouldn't invest in products that you don't understand. It's a straightforward way to make bad decisions.
As for point 1 - those who withdraw money too quickly because they suddenly decide that they already need it do not do well. If you are planning some larger expenses in a while, maybe it's better to just put your savings on the deposit. This way you will avoid stress and unnecessary costs.
Simply put, we distinguish short, medium and long-term investments. Usually, the highest rate of return can be obtained in long-term investments, but in this case, expect a time horizon of 5-10 years.
An example of such an investment is the purchase of shares on the stock exchange. Each stock market has its better and worse times (i.e. bullish and bearish periods), but patient investors with appropriate portfolio diversification achieve satisfactory results because they average risk and increase the chances of exiting at the right time in the cycle.
If you don't want to wait that long or are afraid of the risk, then think about bonds or some safer mutual fund. There are many types to choose from, but I don't think you can earn anything beyond inflation. These investments are characterized by a moderate degree of risk.
Short-term investments are for people who want to liquidate funds easily within 12 months. These can be deposits, savings accounts, purchase of foreign currencies, and even stocks on the stock exchange - the only important thing is whether this asset can be quickly sold if necessary. Profits depend on the degree of risk - you can, for example, get into cryptocurrencies and, depending on the market situation, earn a lot, break even or even lose. You will not lose on the deposit, but the shorter the term, the lower the interest rate at the bank. Something for something.
If I were faced with such a decision, I would divide the money into 3 parts and diversify my portfolio between different financial instruments. And I would avoid the riskiest ones, unless you intend to constantly monitor the market and educate yourself. This type of investment is not suitable for people who just want to put in money and forget about it for a while.
1 \. for how long are you ready to put your funds into a specific asset,
2 \. what level of risk are you ready for,
3 \. what level of knowledge do you have, because you shouldn't invest in products that you don't understand. It's a straightforward way to make bad decisions.
As for point 1 - those who withdraw money too quickly because they suddenly decide that they already need it do not do well. If you are planning some larger expenses in a while, maybe it's better to just put your savings on the deposit. This way you will avoid stress and unnecessary costs.
Simply put, we distinguish short, medium and long-term investments. Usually, the highest rate of return can be obtained in long-term investments, but in this case, expect a time horizon of 5-10 years.
An example of such an investment is the purchase of shares on the stock exchange. Each stock market has its better and worse times (i.e. bullish and bearish periods), but patient investors with appropriate portfolio diversification achieve satisfactory results because they average risk and increase the chances of exiting at the right time in the cycle.
If you don't want to wait that long or are afraid of the risk, then think about bonds or some safer mutual fund. There are many types to choose from, but I don't think you can earn anything beyond inflation. These investments are characterized by a moderate degree of risk.
Short-term investments are for people who want to liquidate funds easily within 12 months. These can be deposits, savings accounts, purchase of foreign currencies, and even stocks on the stock exchange - the only important thing is whether this asset can be quickly sold if necessary. Profits depend on the degree of risk - you can, for example, get into cryptocurrencies and, depending on the market situation, earn a lot, break even or even lose. You will not lose on the deposit, but the shorter the term, the lower the interest rate at the bank. Something for something.
If I were faced with such a decision, I would divide the money into 3 parts and diversify my portfolio between different financial instruments. And I would avoid the riskiest ones, unless you intend to constantly monitor the market and educate yourself. This type of investment is not suitable for people who just want to put in money and forget about it for a while.
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It depends, are you looking to make profits in 2022 or just want to start investing with profits in the years to come?
If you meant the first case, then the choice is quite limited due to the uncertain situation. I advise against the stock exchange (it has been growing for so long that it may not end with short drops, and more and more analysts are even talking about a recession) and the commodities market (unless you like to constantly follow the news from the world and are ready to withdraw from it instantly). In fact, nothing but bonds or deposits will give you a guarantee of profit this year - the situation is too uncertain.
In the case of cryptocurrencies, I see one option, if you have any idea about moving in this market - buying stablecoins, e.g. USDT or USDC and freezing them on the selected platform, i.e. staking. Stablecoins should hold value in principle, so if nothing bad happens, you won't lose out on price fluctuations throughout the year. The profit can be as much as a dozen or so percent, but I do not advise you to put all your funds on one platform. This market is still a bit wild, so if a platform goes down, you could lose everything.
The second option gives you more options. You can hunt for selected heavily discounted companies on stock exchanges or cryptocurrencies, because some of them have already fallen by as much as 70% from their ATH. But this is an option for people following this market.
If you have more capital, think about some real estate. Probably some borrowers will not be able to bear the high interest rates and will be forced to get rid of their apartments before the bank auctions them off. You have the opportunity to buy something in a nice location and, for example, rent it. Much has been written recently about the lack of apartments for rent due to the influx of refugees from Ukraine. Unfortunately, you also have to reckon with the fact that the geopolitical situation will deteriorate and prices will fall even more, for example, in a year, but that's the risk.
It is best to divide your funds into those that you will play safely and in the short term, and those that you want to risk. Or wait until the situation with Ukraine is clarified if you have so much patience :)
If you meant the first case, then the choice is quite limited due to the uncertain situation. I advise against the stock exchange (it has been growing for so long that it may not end with short drops, and more and more analysts are even talking about a recession) and the commodities market (unless you like to constantly follow the news from the world and are ready to withdraw from it instantly). In fact, nothing but bonds or deposits will give you a guarantee of profit this year - the situation is too uncertain.
In the case of cryptocurrencies, I see one option, if you have any idea about moving in this market - buying stablecoins, e.g. USDT or USDC and freezing them on the selected platform, i.e. staking. Stablecoins should hold value in principle, so if nothing bad happens, you won't lose out on price fluctuations throughout the year. The profit can be as much as a dozen or so percent, but I do not advise you to put all your funds on one platform. This market is still a bit wild, so if a platform goes down, you could lose everything.
The second option gives you more options. You can hunt for selected heavily discounted companies on stock exchanges or cryptocurrencies, because some of them have already fallen by as much as 70% from their ATH. But this is an option for people following this market.
If you have more capital, think about some real estate. Probably some borrowers will not be able to bear the high interest rates and will be forced to get rid of their apartments before the bank auctions them off. You have the opportunity to buy something in a nice location and, for example, rent it. Much has been written recently about the lack of apartments for rent due to the influx of refugees from Ukraine. Unfortunately, you also have to reckon with the fact that the geopolitical situation will deteriorate and prices will fall even more, for example, in a year, but that's the risk.
It is best to divide your funds into those that you will play safely and in the short term, and those that you want to risk. Or wait until the situation with Ukraine is clarified if you have so much patience :)
It depends, are you looking to make profits in 2022 or just want to start investing with profits in the years to come?
If you meant the first case, then the choice is quite limited due to the uncertain situation. I advise against the stock exchange (it has been growing for so long that it may not end with short drops, and more and more analysts are even talking about a recession) and the commodities market (unless you like to constantly follow the news from the world and are ready to withdraw from it instantly). In fact, nothing but bonds or deposits will give you a guarantee of profit this year - the situation is too uncertain.
In the case of cryptocurrencies, I see one option, if you have any idea about moving in this market - buying stablecoins, e.g. USDT or USDC and freezing them on the selected platform, i.e. staking. Stablecoins should hold value in principle, so if nothing bad happens, you won't lose out on price fluctuations throughout the year. The profit can be as much as a dozen or so percent, but I do not advise you to put all your funds on one platform. This market is still a bit wild, so if a platform goes down, you could lose everything.
The second option gives you more options. You can hunt for selected heavily discounted companies on stock exchanges or cryptocurrencies, because some of them have already fallen by as much as 70% from their ATH. But this is an option for people following this market.
If you have more capital, think about some real estate. Probably some borrowers will not be able to bear the high interest rates and will be forced to get rid of their apartments before the bank auctions them off. You have the opportunity to buy something in a nice location and, for example, rent it. Much has been written recently about the lack of apartments for rent due to the influx of refugees from Ukraine. Unfortunately, you also have to reckon with the fact that the geopolitical situation will deteriorate and prices will fall even more, for example, in a year, but that's the risk.
It is best to divide your funds into those that you will play safely and in the short term, and those that you want to risk. Or wait until the situation with Ukraine is clarified if you have so much patience :)
If you meant the first case, then the choice is quite limited due to the uncertain situation. I advise against the stock exchange (it has been growing for so long that it may not end with short drops, and more and more analysts are even talking about a recession) and the commodities market (unless you like to constantly follow the news from the world and are ready to withdraw from it instantly). In fact, nothing but bonds or deposits will give you a guarantee of profit this year - the situation is too uncertain.
In the case of cryptocurrencies, I see one option, if you have any idea about moving in this market - buying stablecoins, e.g. USDT or USDC and freezing them on the selected platform, i.e. staking. Stablecoins should hold value in principle, so if nothing bad happens, you won't lose out on price fluctuations throughout the year. The profit can be as much as a dozen or so percent, but I do not advise you to put all your funds on one platform. This market is still a bit wild, so if a platform goes down, you could lose everything.
The second option gives you more options. You can hunt for selected heavily discounted companies on stock exchanges or cryptocurrencies, because some of them have already fallen by as much as 70% from their ATH. But this is an option for people following this market.
If you have more capital, think about some real estate. Probably some borrowers will not be able to bear the high interest rates and will be forced to get rid of their apartments before the bank auctions them off. You have the opportunity to buy something in a nice location and, for example, rent it. Much has been written recently about the lack of apartments for rent due to the influx of refugees from Ukraine. Unfortunately, you also have to reckon with the fact that the geopolitical situation will deteriorate and prices will fall even more, for example, in a year, but that's the risk.
It is best to divide your funds into those that you will play safely and in the short term, and those that you want to risk. Or wait until the situation with Ukraine is clarified if you have so much patience :)
Machine translated
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If you have accumulated capital and want to protect it from losing value, it is worth considering a few options. You can invest it in various assets such as real estate, bonds, stocks, or precious metals. By diversifying your investment portfolio, you limit the risk of losing capital value. You can also take advantage of the services of a professional financial advisor who will help you create an investment plan that aligns with your goals and risk tolerance.
If you have accumulated capital and want to protect it from losing value, it is worth considering a few options. You can invest it in various assets such as real estate, bonds, stocks, or precious metals. By diversifying your investment portfolio, you limit the risk of losing capital value. You can also take advantage of the services of a professional financial advisor who will help you create an investment plan that aligns with your goals and risk tolerance.
Machine translated