When you have enough savings to breathe easy and know that, if something happens, you have money to solve it, at the same time you may be asked if that money would not be better moving, so that it brings you benefits. Therefore, you may have the same question in your mind: Where to invest my money?
Taking into account that any type of investment brings both benefits and risks, making the right decision is not a matter of overnight, but you need to weigh the pros and cons. In addition, in most cases, once you invest your money, you cannot withdraw it whenever you want, but only when it has been established, which prevents you from having a problem.
Invest money: why do it
Many jump into the world of investment thinking that they are going to get a lot of money and very quickly. And the truth is that it is not true. In addition, it must be borne in mind that any investment, even the safest, involves risks, and you can run out of the money you had. Therefore, experts always recommend that you do not invest all your savings, but the part that you have left over and that you will not need in a while.
Because if, Investing is not a matter of lending the money and having it returned to you the next day, or a week. Sometimes it can take years, and the benefit you get is small, not big. The point is that, little by little, that small profit is turning into a greater one, but it does not really mean that investing is going to make you a millionaire.
The reason why many consider this option is because the money stopped does not report any benefit, even if it is a few cents. And yet, if you invest it, you can have them. But do not expect any stroke of luck or think that you are going to receive a large amount of money.
In conclusion: investing your money can be an option to bring you some benefit, but you should only do it with what is left over after covering your needs and having a "cushion" to help you solve any eventuality.
The answer to where to invest my money
If you do not stop thinking about it and you are always thinking "where to invest my money", then here we give you some options, some safer than others. All of them are feasible, although we recommend that, If you have no idea, first try to assess well what you want to do. Also, whenever possible, don't invest all of the savings you have, but only part of it. In this way, you will leave yourself a mattress that you can use while another part moves to report benefits.
Investment funds
This is one of the options that has the advantage that it must be done by a professional, hence it is safer (as far as possible). In addition, depending on whether you are a moderate, conservative or risky investor), they will offer you different types of investment funds.
Our recommendation is that ask before making the decision, and that you meet the professional who will manage everything. Although the figures of the Robo Advisors have emerged, which are robots that are responsible for managing everything in an automated way.
And what does an investment fund entail? Well, basically, it is to pool the money of several investors to invest them in different assets and, later, obtain the benefits based on what you have contributed.
Actions
Shares are securities that companies issue so that others can buy them and, in this way, obtain capital to finance themselves. These securities give rights to the people who own them, in such a way that they can benefit from the dividends if the company decides to distribute them.
But basically in the case of investment, what you do is buy shares and then sell them at a higher price. In this way, you get the money and also a profit because you are selling them for more money than they cost you.
Now, although it seems very nice and that you can make a lot of money, in reality it is a very high risk that you face, because those stocks can go up as well as sink. In other words, the same thing you can get double what you have paid for the shares; or lose half of your money (or all).
passes
You must understand bonds as debt securities. These are issued both by companies and by the Government or other entities to seek financing and what they allow is that the holder of these bonds can receive interest payments for "lending" that money that the bonds are worth.
They have the advantage of offer a high return, but it is less than in the case of stocks. And you don't need technical knowledge.
Of all the options you can ask yourself to the question "where to invest my money", this is perhaps the one with the least risk. But it doesn't mean that you should just jump in. Crises in the world can cause there to be many risks, such as the type of inflation, interest, liquidity ... And to this you must add that the longer the duration of the bonds, the more risk you are running.
Fixed-term deposits
If you do not want to risk too much, this is the option that many choose to be safe. To do this, what you do is go to a bank that will offer you a return in exchange for keeping an amount of your money for a period of time X. After this, you will be able to charge the interest for not having touched that money.
Now, what if you have to remove it? They allow it, but paying a penalty.
The good thing about it is that, Before formalizing everything, they will tell you what you are going to get. So you only need to say how much you are going to leave fixed and for how long to know how much it will bring you benefits. But don't expect them to give you a large amount.
Other options where to invest your money
There are many more places and options to invest your money. Since real estate, crowfunding, microcredits, becoming a business angel, creating a business ...
The decision to opt for one or the other involves becoming aware of what the risks of investing are and what it can bring you. You have to keep a cool head and not think big, because that will only put illusions in something that, later, can end up being a fiasco.
Do you recommend more options where to invest money?