शुरू में निवेश करने के लिए कितने पैसे चाहिए? (Shuru mein nivesh karne ke liye kitne paise chahiye?)
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4 answers
First, what does the minimum amount mean? For one, it will be PLN 100 per month, and for another PLN 1000. Certain investments have a minimum entry threshold or, if the amounts are too small, they will simply be unprofitable due to the fees.
Second, what is your strategy - short, medium or long term? Another thing is an investment that you want to finish, for example, after a year, because then the funds will be needed, and another thing is to save for retirement, which will take place in 20 years.
Third, are you willing to risk your capital, but in return do you expect higher returns, or do you prefer to multiply it safely? For a better comparison - cryptocurrencies are considered a highly risky asset, and bonds are one of the safest.
You must consider all three points when choosing an investment. Otherwise, you may be disappointed with the results and even suffer financial losses.
I will throw up a few different ideas now because I don't know your situation.
1 Regularly buying silver bullion coins. Silver is not only a precious metal that has been used for centuries to store value, but also a much needed commodity in industry. For this reason, it will probably never lose much in value, although the fluctuation in its price is perfectly normal.
Currently, such a bullion coin costs about PLN 150. If you have a mint (I mean an investment metals broker) in your city, ask him about the possibility of making regular but small purchases. You can also order home shipping, but in that case, for cost reasons, I would buy more every few months.
2 Units of investment funds. This type of investment may seem complicated, but you don't need to spend hours in front of stock charts or set up an account with a broker. Some Polish banks offer their customers the option of purchasing units online via a personal account.
For example, at ING Bank Śląski, the lowest single payment is PLN 100. You can choose a different fund each month to average risk, or you can focus on one type, such as Asian market funds, and expect higher returns. It all depends on the already mentioned investment horizon and the level of risk.
3 Traditional banking products, i.e. savings accounts and deposits, possibly bonds. I know it's hard to call it an investment. But on the other hand, if you are just building your airbag, you shouldn't risk losing even a small amount of capital. The bank gives 99% confidence that the funds will not be lost.
Therefore, systematically pay the selected amount to the savings account (this is not a regular account, because it usually does not bear interest, only a type of sub-account with a specific monthly interest), and when you accumulate a larger amount, look for the most advantageous deposit. You may have to transfer money to another bank, but this also has its advantages as new clients can count on perks that regular clients do not usually receive. Maybe it will be money for setting up an account and, for example, making three transactions with the card or a higher percentage on the deposit. Over time, you raise a larger amount and then it will be time to look for more risky investments.
4 Cryptocurrencies. This is an option for those who are really not afraid of risk and want to explore this market, because if you are unlucky, even the most promising cryptocurrency can collapse overnight and you will lose your money. On the other hand, those who buy selected coins during a bear market, when they are the cheapest and the mood among people is the worst, can get even several dozen returns.
The safest option is Bitcoin, possibly the second largest, Ether. They are available on every cryptocurrency exchange, you can buy them for even the smallest amount because they are divided to several decimal places. Just a technical note - if you want to send them from the stock exchange to a special wallet after purchasing, you will incur a fee. Its value may vary depending on the network load etc. Therefore, it makes no sense to transfer a fraction of BTC or ETH, as the transaction fee can "eat up" a large part of what you buy. Of course, there are thousands of cryptocurrencies and some of them are really cheap and their fees can be worth a cent, for example, but if you don't know the market yet, choosing from these many options will be pure gambling.
5. The last piece of advice is unusual, but small amounts of money are best invested in… yourself and your education. Do a course in the industry that interests you, buy a good book or e-book. There is so much knowledge on the Internet that you will run out of life to absorb it, so selection is necessary. If you take care of your development in some field, you will become a more valued employee or contractor, and this should translate into an increase in remuneration. Maybe you dare to change your job or start a business? Or will you become a valued expert? At worst, you'll just be… smarter.
Whichever way you choose, be sure to diversify your investment portfolio. Don't put all your eggs in one basket. And be patient, because over time you collect a larger amount and then completely different investment opportunities will open up to you.
First, what does the minimum amount mean? For one, it will be PLN 100 per month, and for another PLN 1000. Certain investments have a minimum entry threshold or, if the amounts are too small, they will simply be unprofitable due to the fees.
Second, what is your strategy - short, medium or long term? Another thing is an investment that you want to finish, for example, after a year, because then the funds will be needed, and another thing is to save for retirement, which will take place in 20 years.
Third, are you willing to risk your capital, but in return do you expect higher returns, or do you prefer to multiply it safely? For a better comparison - cryptocurrencies are considered a highly risky asset, and bonds are one of the safest.
You must consider all three points when choosing an investment. Otherwise, you may be disappointed with the results and even suffer financial losses.
I will throw up a few different ideas now because I don't know your situation.
1 Regularly buying silver bullion coins. Silver is not only a precious metal that has been used for centuries to store value, but also a much needed commodity in industry. For this reason, it will probably never lose much in value, although the fluctuation in its price is perfectly normal.
Currently, such a bullion coin costs about PLN 150. If you have a mint (I mean an investment metals broker) in your city, ask him about the possibility of making regular but small purchases. You can also order home shipping, but in that case, for cost reasons, I would buy more every few months.
2 Units of investment funds. This type of investment may seem complicated, but you don't need to spend hours in front of stock charts or set up an account with a broker. Some Polish banks offer their customers the option of purchasing units online via a personal account.
For example, at ING Bank Śląski, the lowest single payment is PLN 100. You can choose a different fund each month to average risk, or you can focus on one type, such as Asian market funds, and expect higher returns. It all depends on the already mentioned investment horizon and the level of risk.
3 Traditional banking products, i.e. savings accounts and deposits, possibly bonds. I know it's hard to call it an investment. But on the other hand, if you are just building your airbag, you shouldn't risk losing even a small amount of capital. The bank gives 99% confidence that the funds will not be lost.
Therefore, systematically pay the selected amount to the savings account (this is not a regular account, because it usually does not bear interest, only a type of sub-account with a specific monthly interest), and when you accumulate a larger amount, look for the most advantageous deposit. You may have to transfer money to another bank, but this also has its advantages as new clients can count on perks that regular clients do not usually receive. Maybe it will be money for setting up an account and, for example, making three transactions with the card or a higher percentage on the deposit. Over time, you raise a larger amount and then it will be time to look for more risky investments.
4 Cryptocurrencies. This is an option for those who are really not afraid of risk and want to explore this market, because if you are unlucky, even the most promising cryptocurrency can collapse overnight and you will lose your money. On the other hand, those who buy selected coins during a bear market, when they are the cheapest and the mood among people is the worst, can get even several dozen returns.
The safest option is Bitcoin, possibly the second largest, Ether. They are available on every cryptocurrency exchange, you can buy them for even the smallest amount because they are divided to several decimal places. Just a technical note - if you want to send them from the stock exchange to a special wallet after purchasing, you will incur a fee. Its value may vary depending on the network load etc. Therefore, it makes no sense to transfer a fraction of BTC or ETH, as the transaction fee can "eat up" a large part of what you buy. Of course, there are thousands of cryptocurrencies and some of them are really cheap and their fees can be worth a cent, for example, but if you don't know the market yet, choosing from these many options will be pure gambling.
5. The last piece of advice is unusual, but small amounts of money are best invested in… yourself and your education. Do a course in the industry that interests you, buy a good book or e-book. There is so much knowledge on the Internet that you will run out of life to absorb it, so selection is necessary. If you take care of your development in some field, you will become a more valued employee or contractor, and this should translate into an increase in remuneration. Maybe you dare to change your job or start a business? Or will you become a valued expert? At worst, you'll just be… smarter.
Whichever way you choose, be sure to diversify your investment portfolio. Don't put all your eggs in one basket. And be patient, because over time you collect a larger amount and then completely different investment opportunities will open up to you.
Machine translated
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1000 PLN is probably not enough even for a basic deposit to pay something to the Forex platform. Playing for PLN 1000 cannot even be called investing, but more fun. However, with such a budget you can try to enter the cryptocurrency market. Even if you fail to earn coconuts, you will always gain knowledge and make mistakes thanks to which you will learn a lot. Try to invest in alts that can potentially give you a big return. In my opinion, one of such altos at the moment is the Chilliz token. It is a relatively new coin that has signed contracts with football clubs such as Juventus Turin and FC Barcelona. Recently, the project also signed a contract with the UFC, Chilliz offers a very unique functionality and in my opinion, as soon as this pandemic ends and sports competitions begin, it can grow by up to several hundred percent.
1000 PLN is probably not enough even for a basic deposit to pay something to the Forex platform. Playing for PLN 1000 cannot even be called investing, but more fun. However, with such a budget you can try to enter the cryptocurrency market. Even if you fail to earn coconuts, you will always gain knowledge and make mistakes thanks to which you will learn a lot. Try to invest in alts that can potentially give you a big return. In my opinion, one of such altos at the moment is the Chilliz token. It is a relatively new coin that has signed contracts with football clubs such as Juventus Turin and FC Barcelona. Recently, the project also signed a contract with the UFC, Chilliz offers a very unique functionality and in my opinion, as soon as this pandemic ends and sports competitions begin, it can grow by up to several hundred percent.
Machine translated
Personally, I think that even the smallest amount can be used for investment. You only need to have the right idea. For example, if you have a flair for photography - you can buy cheaper or used equipment with this money and sell the photos taken to banks on-line, such as Pixabay.com or www.freepic.com. For example, you can buy attractive domains and then sell them for a profit. This amount will also allow you to buy any course, depending on what you are interested in and use the acquired knowledge, in practice, so that you can earn on it, e.g. a web graphics course will allow you to work on orders in graphics or make it easier to find a future job .
Personally, I think that even the smallest amount can be used for investment. You only need to have the right idea. For example, if you have a flair for photography - you can buy cheaper or used equipment with this money and sell the photos taken to banks on-line, such as Pixabay.com or www.freepic.com. For example, you can buy attractive domains and then sell them for a profit. This amount will also allow you to buy any course, depending on what you are interested in and use the acquired knowledge, in practice, so that you can earn on it, e.g. a web graphics course will allow you to work on orders in graphics or make it easier to find a future job .
Machine translated
Machine translated