Where to invest in 2022 and make a profit

2024 Author: James Gerald | [email protected]. Last modified: 2023-12-17 14:00

People who have accumulated a certain amount of money strive not only to save it, but also to increase it. In a period of financial instability in the world, the desire to protect their savings, to protect them from risks becomes especially relevant. The coronavirus crisis has caused economic downturns around the world. Consider where to invest in 2022 and make a profit without risk, with a guaranteed income, which experts advise, the best ideas for investing capital.

Basic rules for investing, maintaining and growing income from free cash

Keeping money at home, hoping to save it in this way, is not entirely reasonable. Average inflation in the Russian Federation for the year is 3-4%, for certain product categories it can be even higher. For example, for apartments, the inflation rate in 2021-2022 averaged, depending on the regions, about 4.5%. Cars rose in price by 10-15%. If people saved up money to buy real estate, buy a car, then by saving money at home, they passively lose an amount at least equal to the inflation rate.

The conclusion suggests itself that it is possible to compensate for losses from the negative process of inflationary “shrinkage” of capital only through investment.

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Any investment of capital is associated with certain risks, so psychologically you need to be prepared for this. The main task in this situation is to minimize risks.

What you need to know before investing:

• to convert money, you need to develop your own strategy;
• to study at least the basics of investment instruments, the specifics of the market;
• decide for how long to invest money;
• whether it will be a permanent process or the investment will be temporary.

The first advice given by experts is the division of funds, investing in different instruments to generate additional income. It is reasonable to keep part of the savings in the form of bank deposits, and use some part to purchase bonds and shares. If the amount of savings is sufficient, you can buy a property. Experts recommend to allocate no more than 10% of funds to purchase a package of securities with a high degree of risk.

You should not invest all your free money, you need to have a so-called "safety cushion". This means that a person, a family will be able to live for at least 3 months, a kind of insurance in case of unforeseen circumstances.

Converting savings into currency

A simple and accessible way of investing for everyone is buying currency. Due to the constant fluctuations in quotations, people tend to transfer their capital into more stable monetary units. Traditionally, they invest in the main reserve currency in the world - the dollar, as well as in the euro, British pound, Swiss franc. This is a perfectly reasonable decision, it to some extent compensates for the loss of some of the funds due to inflation.

What do experts advise for those who want to invest in currency in 2022 and make a profit? First, you need to monitor the general dynamics of fluctuations in the foreign exchange market, analyze global trends. Secondly, it is better to transfer free funds into several different currencies in order to minimize risks. If one currency dwindles, the other can increase its positions.

Analyzing the dynamics of the foreign exchange market, experts note the following trend: in connection with the coronavirus epidemic, in order to revive the market, the US government decided to issue an unprecedented dollar. In 2020 alone, $ 9 trillion was "poured in". According to forecasts of specialized experts, due to the injection of money supply, the dollar against the euro, pound, ruble may sink by 8-10%. So investing in a dollar in 2022 carries certain risks.

Investment in bank gold

There are two main ways to purchase gold. The first one is buying bullion with subsequent storage in a bank. The second is an impersonal “metal” account of the OMS, into which money is deposited in terms of the amount of gold in bars. When necessary, you can take the bars or leave money in the bank account in the equivalent of purchased gold.

We are talking specifically about bank gold, with supporting documents, and not about jewelry.

The advantages of this investment method include:

• confirmed purchase of gold of the specified sample;
• it can be exchanged for money at any bank.

But this method also has disadvantages:

• the price of gold increases by the amount of VAT tax + pledged profit of the bank;
• the state does not insure deposits in gold;
• when selling bullion through a bank, you need to fill out a declaration at the tax service, pay personal income tax on a profit of more than a quarter of a million rubles.

In addition, if the ingot is kept at home, it can be scratched, sometimes documents on it are lost. In this case, the bank purchases the bullion at a reduced price.

The price of gold is also subject to fluctuations, but according to statistics, on average since the end of the 80s, it has been growing by 3.5% per year.

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Investing in real estate

Where else can you invest in 2022 and make a profit? Statistics show that more than half of the residents of the Russian Federation would willingly invest in real estate.

Advantages of this method:

• minimal risk of loss of invested capital, excluding force majeure circumstances;
• when investing in the early stages of construction, you can make money on the rise in apartment prices;
• for real estate, you can get a preferential mortgage, use maternity capital.

There are also disadvantages to this type of investment. People who have invested in real estate in order to generate additional income automatically become entrepreneurs and will have to pay taxes.

The following disadvantages should be noted:

• high rate of initial investment;
• the cost of housing registration, its maintenance;
• fluctuations in real estate prices in rubles, including downward ones;
• the risk that the tenant may not pay.

According to various expert estimates, the profitability of real estate ranges from 5 to 10%.

Keeping savings on deposit

Many people, when thinking about where to invest money in 2022 and make a profit, stop at the simplest and most affordable way - keeping money on a deposit. It is convenient from the point of view of using your money: at any time you can make any online banking transactions.

The main thing is to choose banks with a good reputation and history. Unstable financial institutions often offer high deposit rates.

The main disadvantages of keeping free funds on a deposit:

• low interest rate (on average, it fluctuates between 5-7%);
• with a decrease in the discount rate of the Central Bank of the Russian Federation, a decrease in the interest on deposits on deposits should be expected;
• the introduction of a tax on deposits over 1 million rubles, a tax report on these incomes.

Given these circumstances, keeping money on a deposit in order to increase it is not the best idea.

Receiving additional income from government bonds

In order to stimulate the economy and cover the budget deficit, the government "borrows" free money from the population at interest. The Ministry of Finance issues federal loan bonds (OFZ), on which it pays interest.

Answering the question of where to invest in 2022 and make a profit, which ideas are the best and most promising, then bonds can be attributed to successful investment methods.

Their main advantage is that the income on them and the value of the bonds themselves are guaranteed by the state. Thus, the risks are minimized. In addition, income on bonds is not subject to personal income tax. When purchasing government bonds in the amount of more than 400 thousand rubles. you can count on a tax deduction in the amount of more than 50 thousand rubles.

There are several types of OFZ, the percentage on them is different. Government bonds can be purchased for different periods, from one to 30 years. Naturally, the percentage is higher for long-term securities. The income is paid in the form of coupons. The value of the interest rate is fixed or floating, it can be indexed taking into account inflation, economic indicators of the country's development.

For any type of OFZ, the percentage is higher than for deposits by 3% or more.

In addition to OFZs, you can purchase corporate bonds - securities issued by large companies and banks.

Buying shares, investing money in various funds

The overwhelming majority of the population does not have deep financial knowledge in order to play independently in the stock market, but is tempted to buy shares of a particular company in order to increase the income from their savings. Taking into account this factor, various kinds of funds are created, which, on behalf of the people who have invested money, buy shares, play a game on the securities market.

To independently acquire shares, play on the stock exchange, you need experience, knowledge of market conditions, and a certain degree of professionalism. Without such a base, the risks of losing the invested money or part of it increase significantly. With an unstable economic situation in the world, the danger only increases.

Before trusting an intermediary company, it is imperative to study its history and analyze economic indicators.

ETF funds (ETF) - operate on the financial exchange, in the Russian Federation they are placed under state control. Invest money in target assets, shares. Through them, you can buy shares at a lower price than if you bought them yourself. An individual or brokerage account is required.

Unit investment fund (mutual investment fund) - transfer of money to the management of a certain company. She works in different directions: plays on the stock exchange, invests in other types of securities, playing on the difference in stock prices.

Venture capital funds invest money in support of promising startups. These are mainly areas such as IT technologies, artificial intelligence, pharmacology.

By investing in various funds, a person gets the opportunity to track the current process through his personal account, online to monitor the status of his account.

The psychological aspect can also be noted: there is an element of healthy excitement and play in working with securities and stocks. Many people who take the risk of working with funds or on their own become professionals over time.

Investing money in the stock markets and making a profit in 2022 is a promising idea. During crisis changes, there is always the likelihood of a significant rise and fall of securities on which you can make good money.

Outcomes

Investing savings is a responsible question, because the main thing is not only to preserve them, but also to try to increase them. Each investment instrument has certain advantages and disadvantages and risks. Depending on the amount of free funds, a person chooses a tool to multiply his income. It is important to try to differentiate the tools for obtaining additional funds in order to minimize the risks.