Investing from scratch. Risks, advantages and disadvantages of investment activity

How to become an investor? Theoretically, putting 1,000 rubles on bank deposit, you automatically become an investor. After all, who is an investor? This is a person who invests money in order to earn income. But not everything is so simple at first glance. To become a real investor, you need to have capital capable of bringing a tangible income to its owner, capable of covering the monthly needs of a person and, ideally, significantly exceeding them.

And to achieve this, you need to follow a certain set of rules.

Firstly, you need to find the money that you will invest. Where to get them? by the most in a simple way is a monthly allocation of a certain percentage of your income. It can be 10%, 20% or 30%. But the minimum is 10%. The more money you invest, the faster your capital will grow.

What if there is not enough money for life itself? What to say about the allocation of money for investment. Try and/or . Sometimes this is enough for “extra” money to appear. In fact, quite a lot and anyone can allocate monthly a certain amount regardless of his income.

Second, is the frequency of investments. You must do this month after month, year after year. Such financial discipline will allow us to increase capital many times faster than investors who invest money from time to time. Everything is correct! The more money invested, the more income they generate. The basis is when money grows like a snowball.

Third, this. According to him, the sooner you start investing, the higher performance you will achieve. 10,000 invested today has a much higher value than 10,000 invested a year from now.

If you invest today 100 thousand for 10 years at 12% per annum, then by the end of the term the total amount of your capital will be 310,000 rubles.
And if you add up the same amount only a year later (for 9 years), then your financial results will be 270,000.
The difference in income is 40 thousand. For longer periods, the difference will be even more significant. So for 15 years - the difference will be - 70 thousand, with 20 years of investment - as much as 100,000 rubles.

It turns out that a year of downtime will cost you 100,000 rubles. There is reason to think.

But a much more noticeable difference in different terms obtained, subject to monthly investment of funds. A year of downtime will cost even more.

If you invest 10 thousand monthly, with a yield of 12% per annum. The amount in 10 years will be already 2 million 400 thousand rubles.
But if you missed one year (and accordingly contributed 120 thousand less), your final amount for 9 years is 2 million rubles. The difference is almost 300 thousand.
A year of inactivity cost you 300 thousand rubles.
For 15 years, a year of inactivity will cost you - 700 thousand, for 20 years - 1.1 million rubles.

Further, choose financial instruments for investment. There are a huge number of them, from simple to complex. The goal of the investor is to competently (protect) his investment portfolio, including a variety of tools with different levels return and risk. What to include in it and in what proportion, everyone decides for himself.

Many people nowadays are looking for alternative sources earnings. Certainly, there is a large number of options, but one of the most accessible sources additional income is an investment.

Investing is a rather attractive field of activity in which a large amount of knowledge and skills are required. It also provides a large number of options for investing money:

buying various stocks or bonds;
the acquisition of real estate either for subsequent resale or for rent;
opening an account with a specially trained broker for trading on the stock exchange;
opening deposit account in one of the banks;
making a contribution to (shares investment funds);
buying various precious metals and opening a metal bank account.

A novice investor should be much more careful than an experienced investor in his conclusions and actions. In order to successfully engage in this kind of activity, you must adhere to some recommendations:

Familiarize yourself with the literature containing information on the basics of investing money. This is necessary in order to understand the topic and not be deceived;
Consult with a professional about where to invest in current situation. This will eliminate the most inappropriate options. Even later, as you gain experience, the help of financial advisers will not be superfluous, since they have more access to various analytical materials. As a result, their advice will be more informed;
Set yourself a specific goal, expressed in the desired level of income after a certain time period. The goal must be realistically achievable;
Calculate risk and profitability options for possible investment options. The key thesis is that as the level of risk of potential assets increases, the possible level of return increases;
Don't invest initially a large amount in order to gain experience. This strategy will provide an opportunity to test your skills in practice and avoid serious problems with the loss of financial resources;
Be sure to distribute the invested amount over several assets. The portfolio must necessarily contain low-profit, but not risky assets (for example, a deposit account in a bank or a contribution to mutual funds), in order to cover the loss of funds if the case comes when the return on risky assets is zero;
Analyze the change in the situation not only in the financial market, but also the economic situation in general. In addition, it is mandatory to take into account the opinions of various analysts who regularly publish their articles: but it is important to understand that this opinion is subjective, and it is necessary to take into account information from at least three experts. In a crisis situation, it is necessary to get rid of unreliable and risky assets and give preference to more stable ones.;
In the case of buying shares, a thorough assessment of the dynamics of changes in the company's main indicators (primarily financial ones) is necessary in order to objectively assess the stability of the organization's position in the market, which affects the level of profitability and the likelihood of receiving dividends.

The key factors in becoming a truly successful investor are the ability to learn: both in theory and in practice (from your mistakes), the desire to develop, the presence of flair and a rational approach to investing. In this case, the achievement of good results is ensured, and the payback of this way of earning will be quite high.

Video - become rich in 60 minutes. Robert Kiyosaki

In your opinion, what skills, knowledge and personal qualities of character should a successful investor have? Share your opinion, and perhaps experience in the comments to this article.

Good luck and see you in the next article.

Many personal finance management methods recommend spending a certain percentage of income on investing, that is, making money work. And not passively, as on a deposit in a bank, but with a greater share of risk and profitability.

Let's see what a bank deposit is and why investing in stock instruments (securities, stocks and bonds) is much more profitable.

The bank takes money from you and invests it in assets. The bank takes most of the profits from the turnover of depositors' money. You get a fixed rate, which often does not cover inflation. For example: inflation in 2015 was 12.91%, and the most profitable deposits in different banks provide only 8.5–9% per annum.

If you invest in stocks, the impact of inflation on your investment is not as significant, since it affects the company's revenue and is taken into account in its valuation. So if you buy shares reliable companies, inflation does not eat up a percentage of your invested capital, as is the case with bank deposit, simply because the company's valuation is adjusted for inflation.

If you make a bank deposit, you get a fixed rate, say 9%. Once you have made a deposit, nothing depends on you. Inflation for the year can be 10%, or maybe 15%, and you will receive only your 9% per annum.

Also, you cannot withdraw money before your deposit expires without forfeiting the accrued interest. It remains to look at the growth of inflation and be content with the fact that for you it is slightly lower than for the rest due to the interest on the deposit. In fact, purchasing power money falls, you lose it.

As for stocks, due to business growth, policy changes and other factors, they can not only overcome losses from inflation, but also generate significant income. In addition, you can sell them at any time if the forecasts are disappointing, and keep at least some of your money or even reinvest it in growing assets.

It turns out that investments, on the one hand, are a riskier way to save and increase your money, and on the other hand, on the contrary, a safer one.

Here everything depends only on you, more precisely, on your knowledge, experience as an investor and the ability to predict the situation on the market. valuable papers. Where can you get this knowledge?

Education for those who value their time

Not everyone agrees to attend a trading school. Tired at work, and then go to study? And yes, it costs a lot to learn.

If you want to study at home (maybe at work) at any convenient time, there is another option - Investment 101. This is a free platform for online investment education with a huge database of free information - courses of varying complexity and tools for safe practice. Let's take a closer look at what the platform offers.

Individual training plan

After registration, you will be taken to the main page. You can immediately start classes - just open the "Training" tab, select the courses you are interested in and take them.

But in order not to fill your head with unnecessary information, it is better to draw up an individual curriculum before training.

You answer a few questions about your level of preparation, topics of interest and the number of classes per week, and the site creates for you individual plan with reminders (if you want) so you only get useful information and didn't miss class.

Now your main page displays only the courses you need, and two charts on the side show how much percent you have already studied and how much is left.

Now let's talk about what the courses of the Investment 101 platform are.

Courses and tests

On the site "Investments 101" all courses are distributed according to the degree of difficulty - 10 courses for beginners in the package "Investments 100", 8 lessons in the package "Investments 200" and 3 courses for advanced users in the package "Investments 300".

Studying the "Investments 100" package, you will get acquainted with the basic concepts, the basics of investing and stock trading, special tools - Quik and MetaTrader programs.

The Investment 200 and Investment 300 packages feature more advanced topics. Here you will learn about strategies and tools, technical analysis and risks, learn how to correctly draw up an investment portfolio and build a trading strategy.

All courses are divided into topics and presented in two formats - text and video. Choose the way you prefer to study. The text is divided into parts and supplemented with visual graphs for better assimilation of information.

After mastering the course, you take a test to test your knowledge. The number of points earned is reflected on the main page and affects the amount of coins - the prize currency that allows you to take courses for free.

For example, in order to take courses from the Investment 300 package, you need to accumulate a certain amount of coins. Don't worry, these are not in-app purchases, but a measure of your hard work.

Consistently going through all the topics, you get prize coins, with which you can open courses that are not yet available. Or you can skip a few topics and invite friends in return - for this, prize currency is also awarded.

Another opportunity to take closed courses is to activate a promotional code.

Just enter the promo code SUPERBROKER and receive a gift of 2,000 virtual rubles for the purchase of closed courses "Investments 101".

Thus, you get verified information for free and can immediately put the knowledge into practice without risking your money. The tool of the site "Investments 101" "Simulator" will help you with this.

Real trading simulator

For registering and confirming your e-mail, you are credited with 500,000 virtual rubles, with which you can start training trading.

Below you can see quotes. Next to the name of the company and the type of shares is the latest price with an indication of increase or decrease. You can buy any number of shares available with your virtual money, and then follow the price changes, sell and buy new ones.

On the right, you can see your account history in a graph so you can quickly assess your profits and losses.

You can also go to the card of any company presented in the Simulator, read real facts about it and see a graph of growth and fall in stock prices.

So, on the site "Investments 101" you get a theoretical base and practical skills. And what's next? When you understand the principles of the market and learn how to profit from your investments, you can easily move on to real trading.

How to open a real account

The site "Investments 101" was prepared by the company "BCS Broker" - an experienced broker with 21 years of experience in financial markets. After completing the training, you can go online with this broker, and it will take no more than five minutes.

Learn and try

Contrary to the claims of many companies, investing is not easy. It is impossible without knowledge and skills to start trading on the stock exchange and earn millions. Like any other business, investing requires knowledge of theory and information, as well as practical experience.

The site "Investments 101" helps to acquire the necessary knowledge base, which will help to avoid the main mistakes of investing.

Therefore, do not miss classes, try your new knowledge in the "Simulator" and get closer to a real profitable investment.

How to become an investor from scratch- this question sometimes arises in the head of every person who pursues the goal of becoming wealthy and independent from a material point of view. Such people study a huge number of sources, become financially educated, but have not yet begun. This article will give an idea of the most significant factors, having familiarized with which everyone will have the opportunity to become a successful investor.

Anyone can become an investor

If you ask the poor man why he does not consider such an area of \u200b\u200bearning as, you will get the answer that he has a hard and poorly paid job and that he does not have free money to invest. It is difficult for such a low-paid person to risk even small amounts, $50-$100. Investments are all a scam and a trap. With this approach to money, the poor will never get out of their poverty.

Remember, investments can be each, not just a rich man. If the desire to become an investor has been formed from scratch, it’s not you who should work hard every day, but your money. You can start with even the smallest amount.

There is a category of people of a different type. Such people are ready to start investing, but only after buying their own home, car, home appliances, etc. This is the wrong approach to business. Insignificant income leads to the fact that for a serious purchase you have to save more than one year. As a result, time is wasted. In addition, after a significant purchase, a person again finds himself without money. You need to start investing money, not saving it. Then monthly the amount of capital will increase.

The conclusion can be formulated as follows: in order to invest, you do not need to be a wealthy person - you need to invest in order to be rich. If it seems that the salary is barely enough to survive, do not be too lazy to analyze your expenses. You will see where you can save. Even small amounts saved can be invested.

Get rid of the fear of losing money

There is a risk of being left without money in any human activity. This risk must be accepted and not feared. All successful investors have had some negative experience. But because they are successful, unlike the losers, they analyzed their mistakes and continued to move forward towards the goal. Most of today's wealthy went through the stage of being on the verge of bankruptcy. Remember, having lost a certain amount today, tomorrow you can make a profit many times more.

Set a financial goal for yourself

Needs to be thoroughly dealt with own budget. Calculate your income and expenses per month and determine how much you can afford to invest. It is necessary to have a monthly plan for increasing your own capital.

Draw a diagram on a plain piece of paper. Fix on it the method of making a profit and its size. This is the basic level of understanding how to become an investor from scratch. It is practically impossible to achieve a significant effect when there is no clear goal and a clear understanding of one's own financial resources. You must at any stage be aware of the amount own funds, the method of their multiplication and the percentage of these funds to be invested. A realistic, measured goal is the best motivation for personal growth.

Start with small amounts

Invest the amount you have. Even insignificant at first glance. Then choose an investment vehicle. Alternatively, you can stop at. These are quite risky instruments, but the financial return from them is fast and large.

It is good to start with small amounts. By learning how to properly invest amounts up to $100, then you will also be able to successfully handle $1000 and more. On the contrary, if you have a large amount of money available and immediately begin to operate with a lot of money, there is a risk of losing everything quickly.

Start investing immediately

A fairly large part of those who were interested in how to start investing never got around to it. Having studied all possible literature and sources, these people decide that this is too risky for them. The result of this different approach is that poor people remain poor, while those who take risks and are not afraid to start investing become rich. Even if you have only a few tens of dollars available, invest them today, do not delay the start of the process until later. The main thing in investing is to start - the result will be.

Investment blog, ABC-HYIP

The popular opinion about investing is that the process requires serious investment. This is justified to a certain extent, especially when it comes to assets with a high entry threshold, but you can start with a small amount.

Investing in shares

When answering the question “how to become an investor from scratch?”, one must understand that such an activity does not always require significant capital. It is enough to have a capital of several thousand rubles to become an investor in the securities market.

Stocks generate income and are a stake in a business, which has the form joint-stock company Basically means large companies on the market.

Benefits of investing in stocks:

Availability of low-priced stocks on the market.
High profit potential.
Stable payment of dividends.
Business cycles - constant movement prices on the market.
Popularity, which determines the predictability of the cost.
High - to a greater extent this applies to the "blue chips".
Security of transactions and ease of acquisition, which is guaranteed by exchange control.

The list eloquently characterizes stocks as the best tool for a novice investor. Although it is necessary to take into account the existence of risks. A newcomer to the stock market will have to learn a lot in order to avoid global failures.

This is a convenient business for those who are interested in "".

The difference between an investor and a trader lies in the purchase of assets that, for one reason or another, were undervalued, but are determined by a good potential for growth within long term. Trading is based on questions:

what papers do they buy?
when?

Successful investor - practicing investor

Let's figure out where to start to become successful. The first stage will be a global analysis, taking into account information on the size of dividends. Choose the most profitable stocks. The second question requires an answer based on technical analysis and correct definition moment of entering the market.

Investments will be profitable if the beginner relies on a platform that is a theoretical knowledge base. You cannot enter the market and become successful without a specific system, otherwise there will be an increase in investment.

Many people want to invest here and now, but there is no time to acquire theoretical skills. For this category of investors, we formulate the following list of recommendations:

talk to financial advisors- independent, and not someone who is imposed by a bank or an insurance company;
if you have access to information about a profitable investment fund, copy the structure of its investment portfolio;
invest in parts - this is how the acquisition of shares goes in shares, observing the same temporary pauses. This allows you to average profitability against the background of unsuccessful transactions;
consider mutual fund services;
diversify risks - use financial instruments of different classes;
wait economic crisis and invest.