Инвестирование – стоит или нет?
Modern life dictates its own conditions, which we simply must adhere to. And under such conditions, the question of income becomes extremely important. What are the requirements of the average Russian for source of own income? I am sure that for most people the answer will be: a good job is a job with a good salary and an "enticing" package of social guarantees. Well, this is not surprising, because man is a creature that everywhere and in everything seeks some kind of guarantee and stability. It is important for him to have a job that will guarantee a small, but stable salary, when he will be sure of a pension, as well as the provision of various benefits.
True, if you put your hand on your heart, this approach is, to put it mildly, no longer effective. This was relevant in Soviet times, when for many years prices did not change. True, the role of wages and pensions did not, but, nevertheless, on this money you could live reasonably well, without fear of a total deficit. The planned economy still had its advantages.
But today the same cannot be said of current conditions. Are there any guarantees? One could say that today a person is both a breadwinner and a saver. Everything depends on oneself. Everyone strives to provide for themselves a decent level of wages. That is why official work is the only source of livelihood for many people. But you must agree that there are as many pluses as there are minuses. And the most important minus is that gradually you get so used to your job that you just can't imagine how you will live if you suddenly find yourself without it. Is it normal when you are constantly afraid that you will lose your job and with it your livelihood?
Это не нормально! Значит, нужно искать какой-то выход из данной ситуации. Как вариант – investing in. And as a result, it's about generating income from multiple sources. Hardly anyone would argue with the fact that most people simply dream of having several stable sources of income, which could constantly bring more and more profit with less and less effort.
The best thing is this. investing inTo be able to make a regular profit without having to constantly think about how to preserve that capital. To have just a passive income. And, ideally, when we will receive as much money as we need for a decent life, and even more. That's when we achieve such results, then we can say that we have become financially independent.
It is not necessary to work at any other job, because the money that he receives is enough to satisfy all his needs. And when a person will be able to reach this level, he will not need to constantly control the process of receiving income. Consequently, the free time can be used again for the benefit of himself. You can set new goals and achieve them. With this set of circumstances, life can turn around 180 degrees. You'll finally feel free, and the free time you can devote to things you've always wanted to do, but for which there was not enough time. It could be your family, or traveling, or something else. Or maybe after you've had a good rest, you can decide to go into serious business.
How much money will it take you to meet all your needs?
You have to admit that's quite a question. It's kind of hard to answer right away. But let's say you've made up your mind. Then the next step is to determine how long your new activity will take, how much you will need to invest, and whether there is a prospect of investing funds in this way.
Насчет уровня доходности нельзя однозначно сказать, что вот для этой группы людей хватит столько-то денег в месяц, а другой – столько-то. Все это индивидуально. А вообще есть достаточно много точек зрения по поводу того, какой уровень доходности можно считать приемлемым. Любой бизнесмен скажет вам, что прибыльный бизнес – это такой бизнес, который со временем начинает приносить доходность свыше 40% от вложенных в него средств. Правда, выше 40% – это цифра достаточно расплывчатая. Это может быть и 100% и 300%, или даже больше.
In fact, most business owners spend a lot of time developing and controlling their businesses. This, of course, is good for business, but it is not good for the family. That's exactly why rate of return It is customary to calculate on the basis of what your values are. You have to prioritize clearly. What is more important to you: getting more income from investmentsBut spend all your time on business development and control? Or "don't sweat it," but get much smaller dividends? There is, however, another option: the golden mean. This is when you moderately control the business, and an equally moderate amount of time spent in it. Well, and get, of course, the corresponding amounts.
I think that hardly anyone will argue that it is very good when there is more than one source of income generation. It is good when we spend a little effort and energy, and get a decent reward. Just do not think that I'm agitating for a particular source of income generation. No! Everything is in your hands! Look, price, choose, try, in the end. Look for every opportunity to get stable incomeAnd from a variety of sources. The ideal is to find a business that gives you pleasure. In this case, you can do this business for as long as you can feel the drive and the sense of satisfaction from it.
But whatever your primary source of income generation, still look for opportunities to receive passive incomewhich requires your minimal participation. I am sure that if you create such a "money cushion", you will feel much more confident. Agree that life is much more peaceful when you work hard at your main job, but at the same time know that you "drop" money from another source. And you don't have to work to get it. That's when our life will seem much more fun, and, of course, more stable.
And now you need to determine for yourself - what profitability will suit you?
How much would it take for you to not exist, but to live normally? I believe that the average acceptable return is about 160%. It is clear that to do this you will need investing in. When you get to this level, you can already determine for yourself whether it is suitable or not.
In my work I look up to only the best. So, I long remember the words of one businessman, who, by the way, has been successful in business and in investing for a long time. He said that one should not consider a rich man a person who has a huge amount of money in his bank account, has a car, yacht, etc. One should consider a rich man who took care in advance to create several sources of stable passive income. He may personally own only a part of all this. But at the same time, the money that this person receives from various sources should be enough for all the needs that he has. And what is also important is that these sources of income cannot be taken away, or otherwise seized. They must be protected. This is what real people do. Investors.
But perhaps you can't wait to learn the main thing - how to create these very assets, which bring income on a machine, and such that they can't be taken away, stolen. Believe me, it's not difficult, but, nevertheless, this process is a real art. And you can't say there's only one means by which you can create these very assets. Not at all. In fact, there are quite a few options. I will list just a few of them:
– Можно сдавать недвижимость в аренду
– Можно получать доход на работе по найму
– Можно проворачивать сделки на денежном или товарном рынке
– Можно сделать вклад и получать проценты
– Можно получать доход от ценных бумаг
– Ну, и, наконец, прибыль от собственного бизнеса
As you can see, the list is not as extensive as you may have imagined it to be. But, in my opinion, it is the most basic. Each of these types of earnings has its own strengths and weaknesses. The first thing you should do before you start is set a clear goalYou have to calculate whether the future profits from your activities will pay off all the costs. And you must calculate whether in the future the profits from your activities will be able to recoup all the costs.
In spite of the fact that many people consider investing It's not just an easy walk, it's actually a creative thing. And in order to achieve the intended goal, you have to take into account many different factors.
As I said above, you must first have a clear goal in mind. What will you be investing for? What will it give you? Almost all people strive to make as much money as possible to improve their lives and make their dreams come true. As a rule, it is inevitable that as our income grows, so do our expenses. As it happens, we have to spend to maintain our good life, and the better it is, the more we have to pay to maintain it.
From what I have said above, one interesting conclusion is that we it is vital to create reserves for ourselves. By doing so, we ensure that some of our invested capital will not be wasted, but will, over time, create an additional source of income for the future. Another reason to think about becoming an investor is the need to increase your existing savings. So you have to ask yourself what your goals are: either you want to save the money you already have, you want to multiply it, you want to create retirement savings, or you need the money for something else.
And now the next question: how to properly invest money?
To do this, you need to ask yourself a number of clarifying questions:
– Какой размер дивидендов вы будете получать от своих вложений?
– Надежно ли такое вложение средств?
– Что можно сказать по соблюдению конфиденциальность такого вложения?
– Как обстоят дела с налогообложением?
– Срок, на который вы планируете инвестировать средства?
– Существует ли возможность манибэка?
– Есть ли у вас в обозримом будущем необходимость больших расходов, для которых нужно зарезервировать определенную сумму?
What else is important to understand? And that wherever you invested, there will be three basic parameters everywhere. All of them are intertwined. These are liquidity of assets, their reliability and profitability. And there will always be a certain imbalance. Your task, as an investor, is to achieve the same reliability, profitability and liquidity of assets. As a rule, if we want more reliability, we reduce profitability or liquidity. We take less risk, and by doing so we lose less. If we take more risk, sometimes it is detrimental to profitability, but if all goes well, all our costs are more than repaid. You, as a investorWe must always be aware of whether there is a risk or not. And if there is, it must be a reasonable risk. As in еIn any other investment, you should not risk all of your capital. The maximum bar of funds that should be put into circulation - 20% of capital. You can earn much more if you invest in long-term assets - for 3 or more years. Then it turns out that liquidity will be in the lead, while reliability and profitability will be much less.
Well, that's probably the whole lecture. I would also like to add that before you decide on any investmentsbe sure to think about who is offering it to you, and try to get as much information about the object of investment as possible. You need to know who you are going to work with. True, you should not wait too long either. After all, time is money!