The 10 best options where to invest my money
1. Stock market
investing in the stock market is one of the activities that more money moves and generates a year. For this reason, more and more people decide to invest part of their capital in the stock market.
Bag-of-values
At the beginning i may seem a little confusing, and more if you are not very well the numbers. But still, there are simulators of bags free of charge on the Internet that will show its operation.
Thanks to these simulators, you will learn how to analyze various factors such as the financial situation of the company of the action, the conditions of its market, the sector to which it belongs, and the economic situation of the country where you are located.
For example, a simulator very useful is the Virtual Stock Exchange. This allows you to know in real time the evolution of the value of the shares. In addition, you will be able to know which companies are in higher or lower at that time through a series of graphics.
At the time of investing in the stock market, the first step is to decide on a platform of bag and determine the amount of money you want to invest.
Remember, invested with the extra money you've saved and you don't need to cover in the future your basic needs. Since there is a risk of losing all the money, if we do not have knowledge and an adequate preparation.
Save money(1)
You do not need to start with a minimum amount, although we know that if we invest a small amount we will have to analyze if it is going to be cost-effective, since the corridors of bags (also called brokers, which are the intermediaries through which we can invest in stocks) charge fees for each transaction. There are also some brokers that may set a minimum amount to invest with them.
So the next step will be to contact a broker authorized to operate in the bag that we want to invest, open an account with the and indicate the actions you want to buy.
At this point, to choose a broker or another we must rely on How much do you charge per transaction, how much money is the minimum to invest with him, or your experience.
If you are a beginner I recommend that you start by buying shares of consolidated companies, since although we will ensure a high profitability, the risk will be lower and the profitability will be moderated.
2. Mutual funds
If you think you're null in finance and prefer that others with knowledge do it for you, there are institutions that are responsible for analyze which are the best actions to invest in the stock market and buying them through a broker, in exchange for a commission.
This is an alternative investment where investors put their money and a company invests that money to make it grow.
The benefits of investing in mutual funds is that you don't need technical knowledge, it is not necessary to invest large amounts, it is immediately and are safe investments (investments that makes this company are carried out by professional investors and are supervised by government entities).
We can mention as one of the best online platforms of investment in mutual funds to Fol, you can see more information here.
3. Real estate
surely sounds this "real estate". Yet if you do not sound, do not worry I am going to explain what it means.
It is investing in the purchase of real estate as you can be a house, a local or a field, and then sell it or rent it.
Real Estate
This is one of the most safe, cost-effective, and with less risk that exists, because the person is done with an asset that is likely to increase its value, and that may be rented or sold for a good price.
The great benefits of investing in real estate are the few knowledge you need to invest, the chance to win a lot of money, and that is a safe investment (it is difficult for these goods lose value and if they are lost increase with time).
The only downside is that if you decide to invest in these assets, you need a good initial capital to get started.
4. To start or buy a franchise
Man-agreement-business(1)
Open a business of your own is one of the best ways to profit. But one of the most important things that need to be taken into account when undertaking is that really you should feel passion for the activity you perform.
Many hours of work, personal and family sacrifice, and if with that load of work you don't like what you do, I advise you not invest a single penny because you will end up failing.
If, on the other hand, you like the business that you've decided to start, with effort and dedication you can achieve good results. However, if your intention is to have benefits quickly, this is not the alternative you're looking for. It will not be until after the first six months when you see some profit.
In the case that we want to acquire a franchise, we must conduct an investigation and see if this business is a good solution to solve our problems and if it is in line with our interests.
A huge mistake would be to buy a franchise because we like this product, or because we use it. Without doubt, this should never be done.
5. Angel Investor
The task of an angel investor is to find companies that newly created or ideas about to come onto the market and invest in them so that they can grow. Investments typically range between 25,000 euros and 250,000 euros.
Its objective is to invest with an amount of money and in return have a stake, and then sell those actions to generate a high return.
This involves a very high risk, since the majority of businesses fail in their first 3 years. That is why we must make sure that that idea or company has a great potential and we must be 100% sure of it.
There are many companies that are dedicated to connect investors with entrepreneurs seeking capital. The majority of these organisms are Business and Innovation Centers, public entities, business schools, universities, employers' associations and partnerships.
Among these we can mention the club of investors of AVM or the Foundation, and the latter works with the platform of the BiD Network to contact investors from the European Union.
6. Binary Options
Binary options
This alternative consists in buying an asset or a coin and bet on whether your price will go up or down.
It is to predict the future value of an asset at a time (from 1 to 60 minutes), although some brokers may extend the time.
The mechanism is the following: If you believe that an asset is going to go up in value, you must select the option "CALL" and if you think you are going to lose, you select the option "PUT".
The great advantage is that if you hit you'll earn up to double your investment, so it is a good method if you want to start investing in the stock market.
Here in Gananci have a complete step by step guide to Learn What are binary options, how they work, and what are the best brokers that you can use to get good profits:
7. Secondary market
in Wikipedia we find this definition of
"Secondary market The secondary market is a part of the financial market of capital dedicated to the purchase and sale of securities that have already been issued in an initial public or private offering, in the so-called primary market".
This option will be good for you if you want to invest in large enterprises that are not yet public. In other words, it involves buying shares of large companies and the bag when you go out to sell them to generate a high return.
There are sites on the Internet where the owners of the shares offered for you to buy them. Here you will have to remove your bargaining power and your ability of prediction.
We can mention as reference to Bewa7er. The platform is made with shares in the company and put up for sale the economic rights. By now provides for a company to invest: Zacatrus, dedicated to online sales of board games.
And the minimum amount that is required by the investor is 10,000 euros.
8. Mortgage loan between people
with the crisis and banks are increasingly demanding more requirements to grant us a mortgage, who wants to buy a house should look for other alternatives. And loans between individuals have become one of them.
In order to constitute a mortgage is not necessary to have a bank of through: the two individuals and enroll in the registry with the same rights and obligations as if it were a bank.
According money
Being honest is not very common this type of lending operations due to the fact that the periods requested are usually very long and complicated that an individual can assume that great risk of lent that money. But, it is good that the know and know of its existence.
9. Loans between people (peer to peer lending
loans between individuals or the Peer to peer lending (in English) is to provide money between individuals, avoiding having to the bank. At first glance it looks a lot like the previous one.
The method is the following: investors lend to borrowers who do not know through an intermediary that uses a technology platform on the Internet.
These investors lend money fast, but expect a few benefits and your money back. For its part, the broker will analyze the requests for appropriations and create a risk profile of each one.
The advantage of this method is that customers pay very low interest rates for loans and investors receive higher performance than if you invested in other financial products. The broker receives a commission for its analysis and operation.
A curious fact is that the loans people to people have a great potential in Latin America, due to the fact that countries like Mexico or Brazil have very high interest rates for those who are receiving the loan. However, yields for investors remain very low.
This means that, although banks say that they do not, this option is one of the most profitable sectors of the economy.
10. Microcredit
Microcredit loans are small (usually between 15,000 and 25,000 dollars) that are granted to groups that are without resources, are in situation of unemployment, and which have genuine difficulties in obtaining credit, and implement their projects.
Giving money
The micro-each day offer more security both to investors and to the beneficiaries. However, caution must be used with the company that you manage.
Again, one of the platforms that facilitates these operations is kubo financial, mentioned above, an online platform of microcredit which is very profitable because there are no intermediaries, assuming a large savings.
In addition, the platform allows the investor the possibility of financing multiple projects, thus enabling it to diversify, yields and reduce your risk.