Mutual lending to foreign investment companies. Foreign investment

The reasons why our compatriots make investments abroad relate primarily to the need to save investments from inflation and increase accumulated capital. Investing in other countries has its own specifics, namely, according to experts, only 10% of all investors who withdraw funds abroad invest them for profit. All the other 90% are just trying to save their savings.

In view of the growing attractiveness of investments abroad, we consider it expedient to consider as much as possible for our compatriots. Among the most attractive options are deposits in:

• real estate;
• securities;
• business;
• precious metals;
• savings and savings accounts.

The most popular direction for investing funds abroad among Russians, of course, is real estate. Such trends are connected not only with the fact that foreign real estate does not fall in price. Most investors buy houses and apartments abroad in the hope of leaving Russia, at least, in case of development of unfavorable situations for them. Of course, investing in overseas property requires a lot of expenses. Therefore, such an investment tool is available only to wealthy compatriots.

Among the most popular countries for buying houses and apartments are:

• Cyprus;
• Greece;
• Bulgaria
• Spain;

When investing in real estate abroad, Russians prefer tourist centers. In them, the cost not only does not fall, but also increases every year. For example, the US tourist real estate market marks an annual growth of 5-6%. Close to these figures and indicators of growth in housing prices in European countries.

It should be noted that both inexpensive real estate in Europe and options for more affluent investors are popular. Buy a small house or apartment, up to 50 sq. m on the coast of Greece and Bulgaria can easily be invested 15 thousand euros. In the resort town of Spain, such real estate will already cost about 50 thousand euros, which is quite attractive for compatriots, especially in comparison with Russian prices.

Where is the cost of investing in real estate in the United States. An average house in attractive Florida will cost an investor $100,000-200,000. Real estate is cheaper in Detroit and Atlantic City, however, these cities do not have a good investment climate.

Investing in securities abroad

Investing in securities has always been in demand all over the world. Their presence on the stock market deprives investors of the problems with buying shares of large foreign corporations.

To purchase securities of interest to an investor abroad, one cannot do without the services of a stock broker, an insurance company or foreign bank licensed to engage in such activity. Depending on the country in which the investor collects other securities, the services of a broker will cost him 20-200 dollars.

An alternative to direct purchase of shares can be in a foreign investment fund. However, this method also does not exclude the participation of an intermediary, the cost of whose services, depending on the country and the amount of the transaction, will be from 30 to 150 dollars. It should be noted that participation in foreign investment funds is quite expensive. They build their assets from the shares of thousands of companies, practice stricter participation rules and have more conservative strategies. The minimum deposit for most of them is in the tens of thousands of dollars.

Investment in foreign business

One of the popular areas of investment for Russians is investing in a business that is opening abroad. According to experts, the most popular countries for such investments are Germany, Poland, Slovakia and the United States. Do not think that our people are investing in foreign business because of "unpatriotism." Investing money in the development of small business in these countries is associated with an acceptable investment climate in them, the availability of benefits, etc. China is not among the most popular countries for investment due to the high cost of formalizing a business. Official registration costs entrepreneurs $8,000.

Each country has its own benefits and specifics. For example, in Germany, Russians open a business in order to obtain a residence permit. All that is needed for this - authorized capital 25 thousand euros and the employment of five Germans. Investments in the US are attractive because of the demand for any offered product and service. Today, among our fellow citizens in America, it is popular to open enterprises that do not require large investments:

Investing in Polish business promises the investor a good profit, because it opens up access to European loans and European market sales. In addition, the Polish government encourages as much as possible foreign investment establishment of special economic zones, tax breaks, ease of registration and business. In addition, by registering your business as an LLC, the minimum authorized capital of which is only 1200 euros, a foreigner can easily obtain a residence permit in Poland.

Investing money abroad in precious metals

Certainly the most attractive precious metal for investment among Russians, it is considered. The most attractive countries for its purchase are the USA and the UAE. The popularity of buying gold and other precious metals in America is due to the fall in its price on local exchanges, due to the strengthening of the stock and securities market. Meanwhile, the cost of gold in the US is gradually returning to its former levels, so the popularity of buying yellow metal in America is gradually falling.

In the UAE, the situation is somewhat different. Russians specially go to the Emirates to buy ingots weighing from 100 grams, since then the price per 1 gram will be lower. Such popularity of the UAE in the gold market is due to the presence of a huge number of trading platforms, which, due to competition, offer precious metals at a price significantly lower than that presented on world exchanges.

Investing money in foreign savings accounts

The most popular type of investment among Europeans and our fellow citizens is savings accounts.

Of course, foreign banks will unpleasantly surprise Russians with their annual interest rates. In both Europe and the US, you are unlikely to find a deposit program that pays more than 5% per annum. Against this background, long-term savings insurance accounts are becoming increasingly popular in Europe. In case of occurrence insured event, the depositor is paid insurance. In the event of his death, the insurance amount is paid to family members. At the end of the validity period without an insured event and insurance payments, the depositor is given the entire amount of his deposits. Of course, such accounts can last up to 40 years, making the investment worthless, but they can be a great retirement gift.

When choosing an investment instrument abroad, one should not only take into account all the risks, but also calculate possible additional and indirect costs, as well as a lot of other nuances associated with investing money.

In harsh Russian conditions, investing Money in foreign companies is a more than topical issue. Of course, the expression "investment" is used today at almost every step. According to his "cover" they are trying to foist on us participation in kitchens, lure us into HYIPs ... Buying shares foreign companies- the direction is quite interesting, but we want to warn the reader. “Foreign” does not mean “profitable and successful”. Outside our country, there are both outsiders and failed projects. Successful companies, in which it will be profitable to invest, is always on everyone's lips. You don't need to look far for examples - Google, Facebook, automakers. However, novice investors or people who want to invest small (in this context) have absolutely nothing to do here. So you have several million US dollars with which you are ready to buy a lot of shares in such a company? Or are you more interested in financing new projects that will bring in the future? What? Are you a wealthy heir/successful businessman or a Las Vegas casino winner? Then the content below is for you.

Investments in for big players

For large investments, we recommend paying attention to the IFC - the abbreviation stands for . We have one of structural divisions World Bank. Type of activity – financing of long-term and medium-term investment projects from the private sector. A minimum of $1 million is needed to fund an average project.

Equity Investment Methods

If you are a high-flying bird and large blocks of shares are unacceptable to you, you make an equity investment large enterprise– welcome to Morgan Stanley Global Emerging Markets Private Investment Fund L.P. minimum amount, which will be required for investments, reaches a record 5 million US dollars. Such investments have not received wide publicity and never will - it's all about a very narrow circle of potential investors. And in general - everything that we described above has its own payback periods. For example, to the Morgan Stanley Global Emerging Markets Private Investment Fund L.P. with the most positive forecasts, it will pay off only in 5-7 years.

Let's lower the bar - long-term investment

Surely there are no multimillionaires among the readers of our blog, we are not interested equity participation in a transcontinental and buyout of a large block of shares, which will give us the right to vote on the Board of Shareholders.
The most realistic option is to invest through conventional stock exchanges. Of course, at the initial stage, we are not talking about NYCE or Nasdaq, but in the future, you may grow up to work at these sites. For those who are not very interested in working in the stock market (as we know, the profession of a trader implies the need to work hard and hard, and is not suitable for everyone). For example, in the West there is a very common practice of investing in startups. That same Instagram also started as a startup, by the way.
Hypothetically, with successful investment, you can multiply own funds. However, we will not draw kissel banks - according to existing statistics, approximately 75% of all American startups are closed before they have even worked for a year. According to the same statistics, investing in mutual funds (share investment funds), buying shares to receive dividends and working on the stock market brings the average investor a return of 30-40% (the second is rare) per annum.

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Since the topic of foreign investment is quite new for many, there are a number of persistent myths in it (in fact, they have little to do with the real state of affairs).

Nevertheless, it is precisely these misconceptions about the instruments of foreign investment that in most cases prevent us from taking the first meaningful steps in this direction.

Let's see how things really are with investing abroad.

Myth 1: Investing abroad requires a significant initial investment.

In fact, today you don't have to be a millionaire to invest abroad. Moreover, for some funded programs it is not even necessary to have capital at all - it is enough just to invest monthly a certain amount of money. As a result, the gradation of the amounts of "entry" into foreign assets is as follows:

• $100 per month can be invested in foreign mutual funds (similar to our mutual funds) through an insurance company, making up a portfolio of them in accordance with your investment strategy.

• Having saved $10,000, you can open an account with the largest US broker and build a wide-diversified portfolio of the same mutual funds or ETF

• With an amount of $80,000 or more, you can open an investment program with an insurance company and get access to all foreign investment instruments with preferential taxation.

Respectively, the majority of Russians with savings of 10,000 or more can afford foreign investment$ or ready to save 100$ monthly.

Myth 2. Bank deposits in the Russian Federation are secured by the deposit insurance system, but there is no such thing abroad.
Indeed, as everyone knows, in the Russian Federation there is a deposit insurance system for up to 1,400,000 rubles. Accordingly, if the license of the bank where the money is stored is revoked, it is enough just to contact the Deposit Insurance Agency (DIA), and within a short time you can get your savings back. Perhaps that is why most Russians still prefer bank deposits as the most reliable tool. However, few people know that even more reliable and attractive investor protection mechanisms operate abroad.

• The insurance company, in accordance with the laws of its country, guarantees protection of the capital of its investors in the amount of 100%. This means that if she Insurance Company goes bankrupt, the client will be returned all his capital, which is on the account of the insurance company.

• Major US brokers protect their investors through state corporation Securities Investor Protection Corporation (SIPC). So, in case of bankruptcy of the broker, the client will be returned the amount up to $500,000.

• Major European banks have capital protection for their clients up to 100,000 euros.

Accordingly, foreign institutions provide protection mechanisms for amounts that significantly exceed the money back guarantee held in the accounts of Russian banks.

Myth 3. Investing inforeign stock market is subject to greater risks than investing in our stock market.

According to rating international agency Standard & Poor's, Russia's current rating is "BB +" - a speculative ("garbage") level. Russia is still a developing country. Accordingly, the shares of Russian companies, as developing country, and even having a negative development forecast, are considered the most aggressive investment instruments in the world. Moreover, Russia has additional reasons for becoming a country that is extremely unattractive in the eyes of a global investor:

• There is no such high level of corruption as in Russia in 120 countries of the world among 168 (according to the data of the international research center Transparency International for 2015). Worse than us are only countries like Afghanistan, North Korea or Somalia.

• Such a poor level of protection of property rights as in Russia cannot be found in 153 countries of the world among 178 countries (according to the international association Property Rights Alliance for 2016). Worse than us are only countries like Ethiopia, Cuba or North Korea.

• Such a poor level of economic freedom as in Russia cannot be found in 91 countries of the world among 129 countries (according to the rating of The Wall Street Journal and The Heritage Foundation for 2016). Worse than us are only countries like Iran, Nigeria or Zimbabwe.

• The development of our economy is still closely linked to changes in energy prices, which is why Russia is highly prone to economic crises.

All these reasons, as well as the policy of the state as a whole and the constant change in legislation in the field of finance, make investments in the Russian stock market extremely high-risk and not very attractive for investors. As a result, by the beginning of 2017. over 5 years, the ruble fell by "minus 46.92%", the dollar RTS index the stock market of the Russian Federation showed a yield of “minus 27.87%”, while the dollar index S & P 500 of the US stock market over the same period increased by 69.3%.

Myth 4. With foreigninvesting will have to give a lot of money to intermediaries, which will significantly reduce profits.

Many people in the case of foreign investment are stopped by possible hidden fees intermediaries who will have to give money when investing in foreign instruments. However, are the various commissions really that big?

• Fee to a notary for translation of documents or certification of signatures. Not needed in all cases. For example, when opening an investment account with an insurance company, nothing is required to be notarized.

• Fee for transferring money to a foreign account. If a we are talking about the broker, it will be necessary to pay a commission only Russian bank. Therefore, in order to find a bank with lowest commission, you can do it on your own. As for savings programs in insurance companies, often a card is simply attached to the account, from which the contribution is debited monthly without any commissions.

• The commissions of the companies themselves through which the investment takes place. They will naturally various companies differ significantly. That is why it is best to calculate in advance all payments for the entire investment period. However, here too, many companies give various bonuses when opening accounts, which can significantly reduce the investor's costs.

• Commissions of assets in which it is planned to invest money. To date, ETF management fees are in the order of 0.2%. Mutual fund commissions are at the level of 1-2%. Compared to the commissions of Russian mutual funds, which, on average, are 3-4% and can reach up to 8%, foreign assets are much more profitable.

• And, finally, the commission of financial advisers themselves, who will help in foreign investment. Entirely depends on the impudence of these very financial advisers. So, for example, I, unlike many competitors, do not take money for assistance in opening a funded program in an insurance company.

Myth 5. When investing abroad, you need to wait a long time for any transactions, whether it is opening an account or selling/purchasing assets.

Another common myth is that investing abroad is associated with at large intervals time for which both the situation on the stock market and personal financial condition can change.

• If it's about opening a program or account, then here the additional time is spent only on sending primary documents. And even then, many companies with representatives in major cities, now they can draw up a contract remotely, using electronic signature and scans of client documents.

• If it's about sale/purchase of assets, then this is even easier. Now every bank, insurance company or broker necessarily provides its customers with online access to an account, where in real time you can not only monitor changes in your investment portfolio, but also perform all necessary operations.

Myth 6. Investing abroad requires excellent knowledge of English.

In this case, it is necessary to divide the cases in which knowledge of the English language may be needed:

• Language skills for filling out documents for opening an account/program. To do this, you can use the help of a promt-translator or financial advisor, through which the program is opened at a broker or an insurance company.

• Language skills for compiling an investment portfolio. Indeed, it is necessary to have knowledge of a foreign language in order to understand the sea of ​​foreign assets. However, in this case, the best way out is to take the advice of a professional and order the service of compiling an investment portfolio from a financial advisor, thereby saving a lot of personal time studying information and money that would have to be paid for investment mistakes.

Myth 7. Foreign investment will not bring good profit.
Perhaps the most important thing people are willing to invest for is profit. In this case, for comparison, dry figures for 5 years as of January 2017.

• The ruble for 5 years has decreased by minus 46.92%
• Russian stock market. The RTS dollar index showed minus 28.93% due to the weakening of the ruble

• The average return on deposits over 5 years decreased from 25.4% (in rubles) and 13.1% (in dollars) in January 2012. to 6.62% (in rubles) and 0.72% (in dollars) by January 2017.
• The cost of real estate actually remained at the same level and did not bring the expected profitability.

• The official inflation rate in Russia over these 5 years ranged from 5.25% to 12.91%

Thus, we can conclude that over 5 years, Russian instruments have shown a yield below the official inflation.

Not a single Russian instrument showed a significant profit growth comparable to real inflation.

At the same time, over 5 years, the US S&P 500 stock market rose by 70.83% in dollars.

Model portfolios that I developed for savings programs, which consist of foreign mutual funds, were shown in 2016. the following yield (in dollars):

• From 7.90% to 9.05% - portfolios with a conservative degree of risk.
• From 9.72% to 10.25% - portfolios with a moderate degree of risk.
• From 10.13% to 11.07% - portfolios with an aggressive degree of risk

The return on these portfolios over a period of 5 years was:

• 4.64% to 6.21% - portfolios with a conservative degree of risk.
• From 5.74% to 6.11% - portfolios with a moderate degree of risk.
• From 6.98% to 7.61% - portfolios with an aggressive degree of risk.

If the topic of foreign investment is really relevant to you, the materials of the free course of Financial Advisor Elena Krasavina will certainly be useful for you (leave your e-mail to receive the course):

*By clicking the "Get Course" button, you consent to the processing.

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How to properly check an investment company? What does the rating of the most reliable look like? investment companies in Moscow? What are the features of an international investment company?

Hello readers of the HeatherBober online magazine! This is Denis Kuderin, investment expert.

We continue the theme of profitable investments. An issue that will be discussed in detail in new article How to choose an investment company

The material will be useful for both novice investors and those who already have some experience in financial investments.

So, let's begin!

1. What is an investment company and what does it do?

Remember the main postulate of business - "money must work"? So, profitable investing is the most affordable and at the same time the most effective way to make finances work for you.

Money that is kept "in a stocking" is lost money. Even in a month, their real value decreases by several percent, and over the year, inflation often reaches 10-12%.

Example

According to Rosstat (the main department of statistics in Russia), in 2015 the inflation rate in the Russian Federation amounted to 12.9%. And the cost of essential products increased by 15-17%.

Conclusion: capital should be invested in profitable investment instruments. Skillful investments create passive income- not only professional businessmen, but also all reasonable people ultimately strive for this type of earnings.

4. Rating of TOP-7 investment companies in Moscow

To make it easier for our readers to navigate the boundless financial ocean, we have compiled our rating of investment companies for them.

The offices of the organizations below are located in Moscow, but this does not mean that residents of other cities cannot use the services of these companies.

Thanks to the Internet and the use of modern payment systems, you can make deposits from anywhere in Russia, as well as withdraw them to your accounts.

So, TOP-7 main players of the Russian financial market.

1) TeleTrade

A group of companies focused on various investment areas. Investors' money is managed by professional analysts, traders and brokers, making long-term and short-term investments in stocks, Forex market, futures, precious metals.

Among the advantages are 20 years of successful work in the investment market, training programs for clients (video tutorials and traditional training), information support for investors.

2) Simex

is an investment platform focused on online deposits. Not only residents of the Russian Federation, but also citizens of other countries can become investors. Big choice investment projects - investments in shares, operating business and promising startups.

In the list of advantages of the company - minimum size initial investment, the possibility of investing "in two clicks", earnings on affiliate program with zero initial capital. Users can sell their shares to other members.

3)

The company was founded in 1994. It is a member of the National Stock Association, provides users with trading and brokerage services, as well as annual and current financial reports.

Clients have access to a unique Russian market service - individual investment accounts. There is also the possibility of buying / selling shares to individuals on the over-the-counter market.

- profitable investments in developing sectors of the Russian economy. Cooperation with legal and individuals, advice to investors, constant search for promising investment areas.

A course towards a stable income of depositors and direct participation in improving the economic situation in Russia. Full responsibility for development and implementation financial strategies investors, insurance assistance to improve customer safety.

A diversified investment company operating since 1992. It is included in the TOP-6 largest organizations of the Russian Federation in terms of the amount of capital raised. Laureate of the Russian award "Financial Olympus".

List investment products extensive - brokerage services, online trading, trust management capital, trading in the currency markets, venture investments, financial consulting.

- the company is part of the investment and construction holding E3 Group, founded in 2009. The main profile is investment in real estate. Keeps heading for long-term deposits(due to the specifics of the investment instrument).

Among the advantages of the company are the ability to start with a small (for the real estate market) amount (from 100,000 rubles), three types of insurance for each deposit, and collective investments.

7) Golden Hills

Professional management and increase of private capital. Guarantee 15% per annum with minimal risks for the investor. A new look at profitable investment and a new approach to financial management.

The company adopts the experience of Western investment companies and uses it in the Russian market. The list of directions for deposits includes stocks, bonds, gold, real estate, art objects, direct investments.

For clarity, we present the main characteristics of investment companies in the form of a table:

№	Companies	Estimated Profit	Features of working with deposits
1	teletrade	not fixed	The possibility of trading on Forex through intermediaries
2	Simex	From 24%	Focus on modern online technologies
3		From 20%	Individual investment accounts for investors
4		Depends on the size and type of deposit	Focus on investment in the Russian economy
5		Depends on the choice of investment product	Large list of investment areas
6		25%-45%	Investments in liquid real estate
7		From 15%	Deposits in Russia and abroad

5. How to check an investment company - 5 signs that you are collaborating with scammers

In times of crisis, investors' risks increase. It's not just about economic instability but also in an increase in the number of various kinds of scammers.

Many swindlers are eager to cash in on the trust of depositors and invest their money not in profitable projects, but in their own pocket.

To protect your savings, act with the utmost caution. There are signs by which one can easily distinguish dishonest "merchants" from conscientious participants in the financial market.

Sign 1. Absence of open financial statements and other constituent documents

About certificates, licenses and other documentation, without which the existence of an official legal entity already mentioned above. I will add that self-respecting organizations are always ready to provide users with financial reports for the past and current period.

If a company claims to have a department of traders who earn money for investors in the currency / stock markets, it is obliged to present trading reports and trading certificates upon request.

Sign 2. There was no agreement between the investor and the company

Relations formalized in the form of an official contract are the basis of security and a long-term mutually beneficial partnership.

Often on sites it is offered simply to issue an offer - to put a tick in an electronic document. More reputable companies conclude real contracts with signatures and seals. Such a document, whatever one may say, inspires more confidence.

Symptom 3: There is no management photo on the company website

Without a photo of the head or members of the board of directors, the company's website looks somehow inferior, as if hiding something.

If the resource contains a photo of a leading person, his biography, life position and views on management policy, this demonstrates serious intentions, openness and focus on long-term work.

Investments are the basis of modern economic life. There are many places where you can invest your money. Let's take a look at how to invest in stocks. What do you need to know for this? How to choose a broker? Is it possible for ordinary citizens to buy shares Russian Federation?

general information

Many people have heard about it, but few people know how to invest in stocks. Why is this option attractive? First of all, it is the possibility of obtaining high profits. Of course, there are corresponding risks (but they are everywhere, even when opening a deposit in a bank). But maybe the fact that it is almost impossible to completely go bankrupt on stocks will give strength to act confidently. Of course, the risk of losing part of the savings remains, but, as they say, who does not risk does not drink champagne.

Earning opportunity

There are three directions here:

Regarding the advantages of working with securities, we can say the following:

• You can start with small amounts.
• The profit potential is quite large.
• The possibility of obtaining high income (higher than offered by banks when placing deposits with them).

Working with securities has its drawbacks:

• High risks. They can be leveled with the help of existing knowledge, but this does not guarantee their disappearance.
• Commission from the broker. There may be several options here: it is taken regardless of the result or only on the amount of profit (this is popular when he recommends investment objects to his clients).

Who is a broker and how to choose one?

We continue to figure out how to invest your savings in stocks. A broker is an ordinary intermediary that works between a client and an exchange. He takes responsibility for buying shares and also provides people who trust him with data about the market in which he operates. Regarding the choice, we can say that there are numerous ratings that will give an idea of ​​what should work and how. When familiarizing yourself with their characteristics, you must Special attention pay attention to such information as trade turnover, cost of services, the ability to interact in real time (for the client), a simple and quick procedure for registering relations, as well as additional information provided by the broker.

For beginners, their activities may be positively affected by the presence of free education, a low amount of money, holding webinars, as well as competent and adequate staff. It will also be good if there is a physically nearby office or branch. It is also necessary to pay attention to the ease of depositing and withdrawing money. When you have already made your choice, it will be useful to check whether the selected office is a “kitchen”. This is the name given to organizations that achieve their own goals at the expense of customers. They will not help you buy shares of companies, but only defraud all the money. It should be noted that there are quite a lot of scammers in this area, so you need to keep your ears open.

Where and how can the average person buy shares?

Let's find out how you can buy securities. For this we need a broker. Thanks to it, you can buy any shares of companies that are only available on various trading floors. stock markets Europe, USA, India, Australia, China or Russian Federation will be available for interaction. You will need to open an account with a broker, deposit money and select tariff plan, which provides access to the necessary trading platform. Then we choose the securities we like, look at the rate and leave an application, informing in such a way that there is a desire to purchase them.

A convenient form of interaction is via the Internet using special programs. Among the popular samples, you can choose from QUIK and MetaTrader5. It should be noted that regardless of which purchase method is chosen, the shares will be presented in a virtual form. familiar to many paper form canceled a long time ago. When someone purchases securities, two entries are made. One - in the company about a new shareholder (or a change in the share of the old one), the second - with a broker. Before investing in stocks, you must select them. To do this, you can follow the recommendations below.

Selecting an attachment object

It should be noted that there are many different approaches. You can use the advice of experts, technical or fundamental analysis or simply act at random, relying on your intuition. In this case, liquidity plays an important role. This is the name given to the ability to quickly buy or sell the required amount of securities.

But it would be most reasonable to study at least the basics of the fundamental and technical analysis and be guided by them in making their decisions. You can also study the value of shares and their change over a certain period of time (month, quarter or year). Initially, it can be problematic to do everything on your own. top level. But don't worry, get experience and you can talk about low risks in the future.

How to minimize costs?

The high cost of shares is good, but you also need to be able to reduce your spending. To do this, in most cases, it is enough to adhere to certain rules:

• When a transaction is made, its size should not exceed two percent of the account value.
• Compose a differentiated investment portfolio. It will help to minimize possible risks.
• Decide on a trading style. You can try several options and choose the most suitable one. A strong influence in this case will be the initial capital, skills and free time that can be devoted to the exchange.
• Do not shy away from stop orders.
• If there is no desire, time or opportunity to manage your account personally, as good option trust may be appropriate.

Purchase of shares of leading Russian enterprises

Traditionally, blue chips are considered the most reliable. They are characterized by stability and prestige. Perhaps the reader of these lines had a desire to buy Gazprom shares. Well, know that it is quite possible. Moreover, you can buy not only Gazprom shares, but also the securities of many enterprises in general. Let's take a look at this list:

Very famous companies, right? Of course, it will be quite difficult to get a controlling stake in some enterprise, but you can start building a bright future for yourself and your children today. It should be noted that at the time of writing, the share prices of almost all enterprises continued to fall. Therefore, it can be assumed that they are at the lowest level (or near it). So now is the time to invest!

We have looked at how to buy shares of domestic enterprises, and now let's pay attention to foreign companies. After that, theoretical training will be given to get an idea of ​​what you need to pay attention to when purchasing securities. By the way, when we invest in stocks Russian companies we support the domestic economy. In the long term, this has significant advantages for us.

Shares of foreign companies

Often on the Internet you can find complaints that it is impossible to find a company thanks to which it would be possible to go beyond the borders of the Russian Federation. This is largely due to a number of features. But first, let's find out what you expect? Usually, when people talk about foreign companies, they become hostages to the stereotype of success. But after all, each enterprise is individual, and it is problematic to make money with this approach. So, it is necessary to understand that not all companies have access to big market, high yield, production facilities, availability of investment and other attractive qualities. The situation is the same as ours - there are units of very successful enterprises, investing in which is a profitable business. But this leads to high prices.

Someone is interested in how to invest money in stocks foreign companies, because he is ready to invest tens or even hundreds of thousands of rubles. But this is not enough, because the minimum goes to several million dollars! These words can be distrustful, so let's look at a few concrete examples. There is an international financial corporation, which is engaged in financing medium- and long-term investment projects of the private sector. The minimum investment depends on the chosen project and ranges from $100,000 to $1,000,000. Agree, an ordinary citizen of the Russian Federation does not have such money lying around. Also, as an example, European bank reconstruction and development, in which investments can start from $500,000. The reliability of such investments is great. But at the same time, it must be taken into account that investments are made for at least 3 years (although a period of a decade is not the maximum). This, by the way, explains why they are not talked about as investment management companies.

Features of investing in foreign companies

Does the above information mean that the average person is closed to such an investment? No. Mutual funds help overcome this limitation. To do this, you need to choose a broker, replenish your deposit (however, here we are talking about the amount of 3-5 thousand dollars) and choose the investment period. Keep in mind the fact that in addition to companies with experience, you can also choose startups as an investment object. This is an attractive direction that pays off many times over. But at the same time, it is also very risky - for example, about 80% of start-up companies stop their work in the first year after the start of activity. In general, the yield does not exceed 20% per year (when working with mutual funds).

Also, as an alternative, you can consider not only investing directly in stocks, but also in binary options. Their essence boils down to the fact that a person predicts how the price of an asset will change. Thus, payments go for successful predictions. But there are many pitfalls and lovers of easy money here, so if you want to use this tool, you need to exercise considerable caution and be very attentive to the company (as well as delve into all the mechanisms of its actions).

Nuances

We have already covered many issues. And they constantly talked about how to work through an intermediary. Now let's figure out how to invest in stocks without a broker. If we talk about those securities that are not traded on stock exchanges, then there is no need for intermediaries. It's a completely different matter if they've already gone through the process. initial placement securities - IRO. Here, as a rule, work is possible only through a broker. Pay attention to one feature. The fact is that some "blue chips" can be purchased without resorting to the services of an intermediary. Good news, is not it? But there is one "but" here. This is only used when working with long term investment. By the way, banks can also offer a similar service. Of course, it should be taken into account that these financial institutions they will take a commission (prepare mentally for five percent), but in long term it's usually not that important.

By the way, if we touched on this topic, then let's find out in which stocks banks invest their money. After all, if these big financial institutions have money and direct it to securities, then they also have professional analysts who weigh the risks. So let's pay attention to them. Let's say right away that there will be no specific names and titles. Just an outline general scheme. Thus, it is important to invest in valuable shares other banks, as well as enterprises that are actively developing. Moreover, the level of growth of the latter should be several times higher than the average for the country (or be equal to it, but this is only in relation to companies whose development is stable). They also invest in government bonds. different countries(but so that the profit exceeds the risks and expenses), corporate securities and shares of mutual funds.

Conclusion

So we figured out how to invest in stocks the right way. The information presented here is not enough to become a millionaire the next morning, but it is enough to get the theoretical minimum that is enough to start doing your own business along this path. After all, you always have to start from something, from some kind of zero, from the starting point. And every person is available long term investment into blue chips, which will allow you to create a base. The accumulation of capital in an honest way, alas, is a long-term business and takes a significant period of human life. Perhaps only children will be able to fully benefit from the seeds of commerce sown. But even this is more than enough to get started.