Do you have savings, but they don't work? Bad news: you are losing money every day. Thinking about investing money is at least in order to save it, and at the most - to earn.
The wisely invested amount will be a good source of regular passive income or a one-time profit. Both classic investment methods and new areas of where to invest in 2019 work: from bank deposits and stocks to cryptocurrencies, Internet resources and startups.
Each method of investing money has its pros and cons, which are expressed in several key indicators: profitability, risk level, payback, liquidity, financial entry threshold. Therefore, in order to make an informed decision on what is the best investment in 2019, you need to weigh all these indicators and correlate them with the goals that are priorities for you.
Bank deposit: low risks and profitability at the inflation rate
In fact, an analysis of the rates on bank deposits and the real depreciation of money shows that the deposit does not cope well even with the task of saving money. Indeed, the riskiness of such investments is minimal (deposits in one bank up to 1.4 million rubles are automatically insured by the Deposit Insurance Agency). But deposit rates rarely exceed 8% per annum, which does not even reach the official inflation rate expected in 2019.
If there is a minimum task: to save money, then it is better to invest in reliable federal loan bonds or in gold. You won't earn money, but you will block the 2019 inflation. The liquidity of such investments is approximately the same (for a fixed-term deposit, it is even much lower), and the financial threshold is also low.
It is better to buy gold in coins, in 10-15 years their price will begin to increase also due to the numismatic value. The cost of bonds of the Federal Law - from 1000 rubles. You can purchase debt securities with an indexed face value (changes for inflation).
The stock market: a classic of the investment genre
For those who want more, keeping money in a bank is not an option. Real investments that can regularly bring additional money already this, 2019, begin in the stock market. However, the risks are also higher here. And they depend on how high your claims are. The rule: "The higher the expected return - the higher the risk" - was born on the stock exchange.
But despite this, the middle class in economically developed countries considers it a good form to invest in the stock market. The main thing is to choose a not too aggressive strategy (a conservative one is optimal for a beginner) and to understand the mechanism of the stock market functioning.
Where is it profitable to invest money in 2019? Experts recommend investing in shares of reliable but undervalued companies. In this case, income will be provided not only by dividends, but also by future growth in the value of shares. Financial instruments of many large Russian companies in 2019 are classified as undervalued. This is due to the impact of the sanctions. But the companies themselves, and, accordingly, their shares, do not become less reliable from this: Sberbank, LUKOIL, Rosset.
Trust management: for lovers of passive income
In order to make money in the stock market, it is not at all necessary to spend time studying "materiel". In 2019, there are enough brokerage companies in Russia that allow investing in shares on a trust basis. At the same time, the broker company receives a certain commission (not very high, considering how much it simplifies the life of a private investor and reduces his risks). And its financial experts use the investor's money to form a portfolio and carry out all operations.
Naturally, you need to choose a broker with extensive experience and a good reputation. One of the most experienced brokerage companies in Russia - BCS "Broker", opened back in 1995. The company's website says that in 2019, trust management services are available with a different ratio of profitability and risk (conservative, moderately conservative, rational or moderately aggressive strategies). You can open a brokerage account both on the website (https://broker.ru/become_customer_online) and at the company's office.
Real estate investment - slowly but surely
Another classic way to invest in 2019 is to buy property. This method has its advantages: real estate will not go anywhere, it tends to increase in value in the long term, and it can help you have passive income (by renting it out).
But there are also disadvantages - a significant payback period (10-15 years), not very high liquidity, a significant financial threshold for entry (you need to have at least 1.5 million rubles).
It is possible to accelerate the payback and increase the return on investment in real estate if you focus not on long-term rent, but on the daily rent of apartments. In large cities, placing your real estate on several resources for daily rent, you can earn another "salary". But there is more hassle than with a long-term lease.
In the information society - investments in IT
What to invest in in 2019 if you have not only money, but also time? The most promising sector of the modern economy is information technology. And this is not only about the development of gadgets and devices, complex software and computer games. Money is also brought in by applications for smartphones, video blogs, niche Internet resources and other areas, in which even one person can invest.
The main thing is that there is time for the development of the project, a small start-up capital and a good idea. But, even if there is neither time nor idea, you can always invest in a promising IT startup or in the development of a demanded Internet resource. The latter, according to experts, in 2019 will include various ad platforms, service exchanges (copywriting, IT), offline services (taxi, delivery services), exchangers.
Applications are another promising area of money investment. If there is no relevant experience, but there is a good idea, for about 20,000 rubles, you can order an application on freelance, and then place it in the App Store. If the application "runs" - the rate of return will be calculated in hundreds of percent. This sector will continue to grow in 2019 as more people use smartphones.
Startups - an investment in the future
Where to invest in 2019 to make history? The businesses of the future, which today exist in the form of "embryos" - startups. Peter Thiel, who invested in Facebook, or Andy Bechtolsheim, the first investor in Google, invested in startups that really changed our lives.
In what areas can there be new "breakthroughs" and in which startups are the best to invest money in? Robotics, medical technologies (exoskeletons, implants, cosmetology), alternative energy, eco-startups - participating in the financing of such future businesses is not only prestigious, but also, with a certain degree of probability, profitable. The risks are certainly high here. But the profitability of investments can be calculated in thousands of percent.
How can you invest in a startup? This can be done either indirectly, through crowdfunding platforms, or directly, by financing a startup looking for a donor and becoming its co-founder.Startups in search of funding register on special Internet resources, participate in innovation festivals, where you can communicate directly with ideas, developments and teams. The main thing is to remember that the venture business is a high-risk activity, calculated on the fact that out of 10 business ideas one “shoots”. Therefore, the best solution would be to fund several startups at once.
Investing in cryptocurrencies - risking or not in 2019?
As risky as investing in startups is, they cannot match the chances of winning or losing with an investment in cryptocurrency. The first cryptocurrency, Bitcoin, was also a kind of startup. Very unusual even by the standards of an innovative business. And those who invested in bitcoin in the early years have made fantastic profits. But is it worth investing in cryptocurrencies in 2019?
The experts echo that it is not worth it, and here's why:
- high market volatility - the lack of real value leads to the fact that cryptocurrency rates, due to the ratio of supply and demand, are difficult to predict and fluctuate in a very wide range;
- intervention of regulators - the growth in demand for cryptocurrencies was largely due to the fact that they stood on the other side of state (including tax) control; recently, regulators have been making more and more efforts to take control of this process;
- disappointment in the cryptocurrency of ordinary users - since the course for cryptocurrencies is very "psychological", such trends should alert a potential investor.
However, cryptocurrencies are precisely the area where it is impossible to predict for sure whether it makes sense to invest in them in 2019 or not: from the very beginning, financial experts did not take them seriously, but those who believed in them significantly increased their capital.
And, finally, the main rule of an investor: create a portfolio - invest money in different ways and in different areas. Investing is not a game, but a really working way to increase capital.
