What is best to invest your money in today?
In this article I will give you some tips to help you choose where to invest now.
I'll show you 7 types of investment among those currently on the market and will soon explain to everyone what is and what is the gain / risk ratio.
With these guidelines you will be able to orient yourself in choosing themost suitable investment for you.
1. Interest-bearing Postal Certificates, Deposit Accounts and Savings Books
Are tools that offer you very low earnings, But without exposing yourself to market risk and giving you the certainty of get back the capital back invested.
I postal savings e i savings accounts allow you to preserve your capital and develop a gross annual interest ranging from 0,01% in the 1st year until 0,32% in the 20th year for the good, and it is about the 0,01% gross annual for booklets.
I deposit accounts They have bank accounts where you put your money and "promise" to the bank not to use them, in exchange for higher interest than a checking account. They range from 0,25% gross annual for constraints 12 months at 0,75% for deposits 5 years.
It is the most suitable investment for you if you ... are looking for a way to protect your safety in the capital even without earnings.
Here you can explore and compare savings solutions:
www.risparmiopostale.it (savings certificates and postal savings books)
www.confrontaconti.it/conti-di-deposito/confronto-preventivi-conti-deposito.aspx (bank deposit accounts)
2. bonds (or bond)
Are securities that entitle you to the future repayment of the invested capital. Basically you make a "loan" to a broadcaster, within a specified time, It gives you back the capital plus interest.
The bonds have a risk usually bass per i Italian government bonds and for those issued by countries with economic and political stability, but their performance will be equally low.
Today they are at historic lows: those in 10 years to make it around '1% gross annual, short ones have even negative rates.
If a higher-performance wheels can buy bonds developing countries, not be al exposure risk concrete losing your capital due to unforeseen events such as default, coups or civil wars.
Finally you can buy bonds issued by companies, Italian or foreign, but remember that repayment will depend on the company.
It is the most suitable investment for you if you ... are looking for a way to grow your capital risking little.
Here you can follow the performance of all obligations, Italian and foreign:
www.ilsole24ore.com/finanza-e-mercati/obbligazioni.shtml
3. actions
Are of the equity shares of a company and buying them you assume the business risk.
If the company does well then your shares will increase in value, if you have problems you could lose your capital.
The activities can earn a lot but it is a market with high volatility, then to high risk.
However, there are actions in some safer way: the so-called "blue chips”, issued by large companies with a solid reputation and a profitable operation, who can give a discreet safety margin and even useful beyond 3,5% annual.
It is the most suitable investment for you if you ... are looking for an investment with a high gain even though more risky.
Here you can follow the trend of the stock market:
www.ilsole24ore.com/finanza-e-mercati/azioni.shtml
4. Commodity
It's raw material in the rough - energy products, metals, agricultural products, colonial and tropical products (is. cacao, tobacco), meat and cattle - the price of which is determined on the basis of supply and demand.
The most common investment in commodities takes place with the use of a financial instrument that the trend replication, such as futures contracts, CFD contracts, options and binary options.
When investing in a commodity through one of these instruments, you do is buy or sell based on your forecasts on 'progress of his price.
You must then know all the rules of the game and master specific concepts such seasonality or a product cycle. It is a complex market and to high volatility.
It is the most suitable investment for you if you're looking to ... diversification a broader investment portfolio.
Here you can keep up to date on the commodities market:
www.ilsole24ore.com/finanza-e-mercati/materie-prime.shtml
5. Forex
And the market World of currencies.
Investment in the forex is based on "bet"That a currency is rising or less valuable than the other.
Eg: buy a certain dollar amount in anticipation that its value increases against the euro, then resell and earn on the difference.
Investment in the forex has a profile very high risk because it is influenced by speculative movements are difficult to predict and manage: It requires a substantial and sustained commitment of time and work to heal the investment. Otherwise it is equivalent to a real gamble.
For this, however, may allow earnings even higher than 20% annual.
It is the most suitable investment for you if you are looking for the ... maximum profits and are willing to "bet" your capital.
6. Mutual funds
Are funds managed by dedicated companies, which investors entrust their money. The funds invest diversifying the portfolio, allowing those who also invests a minimum quota of reducing risk and still generate a return.
there many types of funds, each with a different organization of capital to invest, different profiles Risk and different goals yield.
Eg, stock funds investing primarily in shares, real estate funds investing in real estate buying and renting real estate or buying of property companies and buildings.
A fund has positive or negative results depending on the investments which decide to carry and markets in which it invests, so your choice of the background right It will be critical to the achievement of your goals.
It is the most suitable investment for you if you are looking ... a diversified investment but do not have a big capital available.
7. Real estate
The property is considered a investment privileged because it is a good real you can "touch", use and sell when it sees fit.
Investing in property means using your capital to buy a immobile then resell or rent.
This applies to the property for residential use and for other types such as holiday homes, garage, box auto, agricultural or commercial properties.
If designed properly, real estate investments can offer a good safety margin and at the same time a high efficiency: over the 10% if you resell the property, until the 7% per year if you put it in the lease and 10% with short term rentals.
The biggest advantage is that, also in front of a high gain potential, You must not bear an equally high risk.
Provided, however, that you possess the knowledge and skills necessary to not commit mistakes: the success of an investment property depends on your capacity to manage it better in all its aspects.
It is the most suitable investment for you if you ... are looking for an investment that makes the highest return with minimum risk.
As you can see the choices are many, opting for one rather than another is entirely up to you.
We have specialized in real estate investments because we think they are the "right mix" between gain, Risk and investment duration.
If you think that the housing market may be the most appropriate investment for you, you can learn by reading this e-book, a Getting Started we have done for those who want invest in property.
