Purchase of precious metals. Investing in stocks
This article examines the main trends in the upcoming 2014 in relation to private investment. This will help determine the most suitable investment targets with moderate risk and good potential in terms of profitability.
Economic trends of 2014 in Russia: what to expect?
Before carrying money somewhere, you need to understand what is generally going on around in financial sphere... At the moment, the following factors are most significant:
- Stagnation Russian economy and high crisis expectations among the population. The rate of GDP growth slowed down significantly, as did the growth in welfare. The prime minister directly admitted that unemployment may soon rise and we are on the verge of a difficult time. Terrible forecasts of economists. Withdrawal of money from NPF.
- Oil and gas prices are still high, so far without a downward trend.
- Banking crisis in connection with the revocation of licenses from several large banks.
- Europe has recovered somewhat from the financial turmoil of six months ago. The situation in the debtor countries in the EU has stabilized.
- Continuing weakening of the ruble against the bi-currency basket, the dollar and the euro. According to experts, this trend will continue in 2014.
Where to invest in 2014?
Let's make a reservation that these recommendations are relevant for those who, as a result of passing our test "" received advice to focus on instruments with a small amount of risk. If you are planning on using aggressive strategies, then refer to other sources.
Foreign currency deposits
Taking into account the growth of the euro and the dollar, as well as the presence of guarantees on deposits from the state, foreign currency and multicurrency deposits can be considered quite reliable and promising option... Of course, their profitability is limited, but, apparently, sufficient to protect against inflation and "weld" one or two percent from above.
State bank shares
The population urgently transfers money to Sberbank, Rosselkhozbank and VTB. You don't have to panic - reliable financial institutions a lot (see here:), however, you can earn a little on general hysteria: it has become a driver of growth in stock quotes for the above-listed state banks. Here, the profitability may already be much higher and this is also quite safe investment: « blue chips»(The most popular stocks) can easily be sold if something goes wrong.
Gold and unallocated metal accounts
It is difficult to consider it a good decision in the perspective of one year. Although its value has fallen sharply and is far from the highs, it must be remembered that in general world economy getting out of the crisis; it concerns primarily Russia. Therefore, there is no reason to expect an explosive rise in prices for the yellow metal. On the other hand, if it is important to protect yourself as much as possible from the big crisis and hyperinflation (which, fortunately, is not yet predicted), you can try. Verdict: precious metals can be considered as one of the options, but we do not recommend it, the situation is too ambiguous.
Bad (from our point of view, of course) tools include:
- The property. The price for it in the Russian Federation is already very high; the crisis is likely to knock down prices.
- Equity mutual funds with an aggressive strategy. During periods like this, managing a block of shares is more difficult than usual.
- Bonds. The banking crisis has led to the "freezing" of the money of many legal entities, which can give rise to local defaults.
I think for everyone there is an obvious fact that when a person has finances, he will definitely think about where to invest and how to increase his capital. There is only one question: where to invest in such a way that the money works and makes a profit. Using the method of ordinary mathematical calculations, it is not difficult to understand that if you put money on a deposit at 8-15% per annum, such a percentage of profit will not bring, since inflation fluctuates within such percentages. In one of my posts there is a formula for calculating the return on investment, you can use it in order to understand how profitable your existing investment is.
Money in the bank.
So this is what I mean, where to invest money - if you keep money in national currency on your shelf in a bank or in a safe, then this amount will simply depreciate in a year.
Real estate money.
Many financial analysts say real estate is the most best view investment. I partly agree with them, but real estate is different. The question immediately arises of what to buy: a plot of land, an apartment, Vacation home or just a summer residence.
Acquisition of real estate in the primary market in new buildings that are under construction - this is a very big risk. There have already been many cases when people invested money in construction company disappeared without a trace or the construction was delayed for many years under the pretext of lack of funding. The secondary market and ordinary suburban objects, as practice shows, is the wave-like behavior of their prices. That is, as an investment of capital, this is a dubious undertaking.
Not all real estate or land will generate income after being sold to its owner in a few years. I want to dwell on one example separately - the Olympics in Russia Sochi 2014, for today and in the next few years, Sochi and the Krasnodar Territory will actively develop and improve, in general, it is currently number 1 of the construction and investment sites in Russia. In this region, where there is a combination of snow in the mountains and warmth on the sea coast, new roads, boarding houses, health resorts, residential buildings, etc. are being actively built.
Why am I writing all this? Before investing in real estate, you need to look at what are the prospects for development in this region and the area itself where you plan to buy real estate. If everything is carefully weighed and analyzed, then having bought a property in a good place, you can later sell it not just with some kind of profit, but the profit can be several times higher than the initial costs. For example, Moscow had plans to expand its borders for a long time, but they could not be realized in any way because of bureaucratic squabbles and divisions. Smart investors, and just those who wanted to buy a house or an apartment for themselves, began to actively buy real estate in the South in the suburbs of Moscow. It is also important that real estate has not only increased in price, but also the population density in this region is now much lower than in the so-called "old Moscow". And this suggests that very soon they will be drawn to this region very good investment and the population. New metro lines, businesses, shops, housing, schools, kindergartens, etc. will be built.
I think that every large regional center has prospects for the growth of its borders. And if you think where to invest in 2014 year and you prefer real estate investment then already now you need to analyze and find out plans for the development of the city where you plan to buy real estate. Acquisition of real estate in these regions will be justified in the future. At the moment, I am just considering several options and studying the city's development plans. Let's see how everything works out and what mine will be investment of money in 2014 in real estate.))) After implementing my plan, I will definitely write an article.
Http://correctmoney.com.ua/investitsii/kuda-vlozhit-kapital-v-2014-godu
WHAT DO YOU THINK ABOUT THIS REASON?
The most profitable investment now - an investment in Russian nationalists, said an economist friend of mine the other day. And what do you think? Share your tips in the comments. But what else did the economist advise me ...
2013 will be remembered for the depreciation of the ruble, stagnation in property prices, the fall in the value of gold and the soaring dollar. 2014 frightens with its uncertainty, someone is waiting financial crisis someone collapse banking system Russia.
1. Diversification. The unambiguously optimal option is risk diversification, i.e. distribution of investments among different financial instruments... Something in real estate, something in precious metals, something in bonds, something in mutual funds etc..
2. Dollar. Despite the dollar skyrocketing in 2013, strategically holding money in dollars is very risky. The USA ceases to be a world power, the internal problems of the USA indicate that the further printing of the dollar will not improve the situation, but will only aggravate it. This means that many countries will begin to abandon the dollar as a settlement currency; in the forex market, a collapse of the dollar can be expected. For example, if Saudi Arabia (for political reasons) abandons its payments for oil in dollars and switches to euros, the US economy will immediately collapse. So have no reason to keep your money in US currency.
3. Gold. The most unprofitable way of investing in 2013 turned out to be impersonal metal accounts(OMS). Most experts emphasize that the greatest losses of clients were in this area. “Gold this year for the first time in 13 past years showed negative dynamics and fell by almost 29%, and by the end of the year it may fall as much as in the last 32 years. Perhaps growth will begin, but perhaps not ...
4. Contributions. Interest rates on deposits are likely to continue their gradual decline, but will remain an attractive and reliable way to save money. Since January 2013 average rate on deposits in the top 10 retail banks decreased on average by 1.8%.
5. Real estate. Investing free money in real estate has been the right option for centuries, since housing always becomes more expensive in price, and in cities it can still be rented out, decently earning additional profit on this. Unfortunately, at the moment, in order to invest in liquid real estate, you need to have a lot of capital. The purchase of an apartment or house may be recommended for preserving capital, rather than increasing it. Since at the moment mortgage rates are high, and the growth in the cost of apartments is in question, then investing in borrowed funds is a very risky business.
6. Bitcoins. Bitcoins are often referred to as digital currency, virtual currency, or cryptocurrency. Most Americans who do not have a special economic or financial education find it difficult to understand why this money is needed. However, the fact remains: in the first eleven months of 2013, the value of bitcoins increased from $ 13.50 to $ 1,200 (that is, by more than 5.000%). Thus, several thousand people in the shortest possible time became millionaires. The fact remains, although a very high-risk investment ...
"Where to invest in 2014-2015?" this question is often asked to me in the mail and in support. And today I will answer it. Do not be surprised that you already implied this answer.
Where can you invest money
As you have already noticed, the currency is becoming more expensive every day and, perhaps, is about to reach its peak. Where she will go tomorrow is not known. The President is threatening speculators. The MPs are considering laws on administrative responsibility for speculation in the foreign exchange market.
The ruble exchange rate today is free, that is, the Central Bank does not set hard boundaries. Therefore, the currency jumps either positively or negatively. As long as the oil price falls, the ruble will weaken. But how much longer will the oil price fall? Nobody knows what the oil price will be tomorrow, and hence the dollar's price.
Buying currency in such a situation is highest risk... It’s always unsafe to try to make money on something we don’t understand.
What then remains? Invest in business? This is a risky undertaking in our country, especially in the "troubled" times.
On a bank deposit? It's not funny anymore! Someone here correctly tells me that Russian banks take loans and even in foreign currency from foreign colleagues. And since the currency is growing now, then you perfectly understand who will pay for this if "what" happens .. Your fireproof balance, according to the law, is 1,400 thousand rubles, that's all. So see how profitable it is.
The rare earth metals? It is unlikely that it is profitable now, since per last years I see fewer and fewer people willing to invest in precious metals ..
In raw materials? Not an option either, at least for now. Although, probably, someone who has enough funds has already bought himself a couple of oil rigs or undeveloped fields for a long time.
But I'm talking about us - ordinary people.. Such as my neighbor, Lech, who wanted to take out a mortgage this year, but did not dare. And now it completely "flew" .. Eh, Ale-yo-yosha :) For those who have a million or more, it's time to think about buying real estate! Real estate does not jump like a victim of any sanctions or political ambitions. That's why she is real estate :)
Prospects for buying an apartment
An apartment is the most common way to save money in our country. if the question arises where to invest money in 2014-2015, then the answer is simple, like a steamed turnip - of course, in an apartment, a small family, and even in a room.
What is the profit?
Minimum program: by investing in real estate, you save it. Real estate can also fall and rise in price, but one cannot be taken away from it - everyone needs it! At all times.
Maximum program: invest money in real estate and get income from it! Then you will not only save your hard-earned money, but also stay at the pole!
Real estate is the most reliable "deposit" today.
But keep in mind, I'm talking about residential real estate right now. How to save money by investing in commercial real estate I don’t know, because, in my opinion, this type of real estate today in most cities of our country is not as in demand as we would like. And hemorrhoids with her more ..
Which apartments to invest in in 2015
If there is not much money to buy an apartment / small family in the secondary market, then take a closer look at new buildings. Apartments in new buildings will always rise in price, even if property prices fall. And the reason here is to reduce risks as the house is "ready". Over the entire period of building a house, the cost of an apartment can increase by 40-50% or more. During times of economic hardship, property prices may stop rising or even begin to decline.
So, for example, in 2008-2009 the price of apartments decreased by 15%. If this happens, then the apartment in the new building will grow not by 40-50%, but by 25-35%, which is also very good. The most important thing is that it will grow, and, even more important, that it will not drop in price, this is guaranteed. You can try speculative transactions in the primary real estate market - investing money at the initial stage and selling an apartment after renting out the house, and you will always remain in the black.
Today it is already "early" to take out a mortgage, it was necessary to do it in June-August 2014. Then it was still possible to take under good percentage and banks were not so selective with borrowers. Now all that remains is to use the accumulated funds and invest in the purchase of an apartment in a new building.
What new building to invest in in 2014 - 2015
Now a few words about the important principles of choosing an apartment in today's conditions. What rules do you need to follow:
- Choose only from reliable developers. Proven by the crises of 2008, and even better, 1998
- It is advisable that there is transaction insurance or bank guarantee... This applies to projects under construction under Federal Law 214 from January 1, 2014
- Desirable small houses that can be quickly completed
- Also preferable are houses that are almost completed and delivery is not far off, as they say
- Don't be tempted by super low prices and discounts. Those who now give big discounts are experiencing difficulties with sales, which means that there is a risk that houses may not be completed
- Beware of companies that have started a lot of construction projects and a lot of projects at the initial stage of construction
- Be very careful with those who have a lot of land in their portfolio, most likely they have a lot of loans
- Pay attention to companies that have their own production facilities - it will be easier for them to withstand the crisis, since their cost is significantly lower
Today we found out the prospects foreign exchange market, found out options for where to invest in 2014 - 2015 and decided on one of the most promising. I wish you making the right decisions!