The amount of investment money is not dependent income. The important thing in investing money is how much is allocated, not how much a person's income. Most people are "horrified" when she heard the word Invest. "Income is by now, where can i invest?" Or "wow, that later wrote me, if there is residual", or "Disgust, no leftover money huh? when my husband had just climbed salary? "
The phrase often sounds like above, is it true? The answer is not entirely correct. Investing money, Multiply Your Money Smart Ways.
Let us examine, typically when earnings rise, followed by improved lifestyle. Before the raise, just a motorcycle, after rising salaries, start the car installments, automatic spending increases for car payments, gasoline more numerous, parking which is more expensive, the cost of service and maintenance.
So, how dong, what lifestyle should not be increased? It's okay really, the important thing we know how to be able to invest. The easiest way is from the beginning we've set the percentage that we have allocated to invest, eg 10%. So every time out payday, take 10% to be included for the investment, the term cool: "Pay yourself first". Then the remaining 90% of new managed for routine needs.
One more thing, where you put your money to be managed will influence the outcome. If you still have money in the bank, and expect your money grow, leave this thought. Let's count: return offered by the Bank only 6% for deposits, and 2% for savings. How Inflation in developing countries? 8% -10%. There is a difference you have to bear, that is, your money is just safe, but not growing.
7 Tips investing money for beginners
There are various ways of looking for additional income other than regular salary. If you do not have much time for a side job, better start thinking to look for investment.
Investment can be done in a variety of instruments, ranging from bonds, stocks, gold, and others. Look for investments that approximately yields (yield) is higher than the annual inflation rate.
Do not you have more money in the bank because of the longer will be depleted inflation eroded. For those of you who have never invested, it will probably have a lot of worries. To that end, we present seven tips to invest for beginners.
1. Invest in The Right Time
The first key to successful investing is to know in advance that such a life, the economy also runs its own cycle. Much like the season that runs almost stock every year, as well as investing.
If you go at the right time in the cycle, the money generated will be more. One way to see this cycle is still in its early stages or already peak, or even decline will be discussed in the final points.
2. Determine that Fits Your Cycle
The second key to investing is to know the cycle is in progress. For example, the financial cycle in the United States that have been successful early 80 to late 90's are over, now they get into the cycle of commodities, such as steel, crude oil, palm oil and so on.
3. Observe Each cycle, Choose the Best
The third key to successful investing is when observing cycles each investment instrument, you can choose which one is ready to cycle uphill. For example, if in the U.S. is currently entered in the commodity cycle, steel could be the most sexy. Now steel is starting to fall and gold ready to be replaced. If you look at it with a good cycle, then it is time you go to buy gold immediately.
4. Find your Master Investment Instruments
The fourth key to successful investing is to choose an investment instrument that you control, even better that you like. There are several options if you will start with a capital investment of less than 100 U.S. dollars.
- Mutual Funds, the container and the pattern of management of funds / capital for investors to invest in a set of investment instruments available in the market by buying mutual funds. These funds are then managed by the Investment Manager (MI) to the investment portfolio, whether it be stocks, bonds, or money market securities / other security.
- Buy shares in the capital market. With the plunge in the stock market you can own shares in the companies that you want, just pointing a professional broker then you can start. Cost (fee) for the broker is not too high and you can easily diversify to reduce risk.
- Precious Metals. By buying metal from, for example gold, you do not need to bother tothe care of. Stay left alone then the price will go up. But, in the midst of a crisis such as the current price is fluctuating rapidly. If you are smart, you can buy cheap and sell when at height.
5. Investments must be Arrested for Long Term
The fifth key to successful investing is to be held for a long period of time. This is done to ward off volatility and risk of loss. The biggest mistake often made investors are always too ready to protect their portfolios, so often panic when markets fall and drop entire investment. In fact, investors should be sure that the trend is weakening was just part of a cycle that will eventually bounce back, unless it is an investment instrument cycle is approaching its peak.
6. Evaluation Each Investment Trends
The key to successful investing is the sixth in a contrary investor, but not against the market. For example, when all the people take action to buy, you have to be a seller. Vice versa, when everyone is selling, you should be a buyer. As Warren Buffett said, "you should be greedy when others fear, and fear when others greedy."
7. The highlight of the Investment Cycle Know Before Falling
An investment would peak before it finally entered a downward trend. Indeed, the peak can not be seen by the naked eye, but there are some traits that you can consider:
- The yield you get a sudden speeding, higher than you normally get in a year. Soon this investment cycle will peak.
- If all you know, your friends, relatives and neighbors to talk about the investment gains earned in the same instrument with you. The characteristics approaching its peak.
- If a lot of people started to stop working and rely on life just by trading stocks through online trading, or a real estate broker. Examples such as these suggest both investment instruments that have reached peak cycle, it's time you look for a new investment instrument with a cycle that is still young.
The world economy is slowing, prices need to rise, bills piling up, and your paycheck is simply 'pass' in a savings account. You must be smart deal financially difficult conditions like this by looking at a business opportunity or a long-term investment with a significant advantage. One type of investment that you can 'lyrics' is a foreign currency investment.
Gains in foreign currency investments depending on the type investments. As in dollars, you can invest in deposits, government bonds, and mutual funds in foreign currency (eg U.S. dollars).
With current conditions, investing in U.S. dollar-dependent deposits bank you choose-lets you get interest on deposits up to the range of 1.5% (net) per year. For government bonds in U.S. dollars-depending on the maturity of the bond length you choose-can provide 2% -4% (net) per year. For mutual fund dollars, depending on the type of mutual fund. Return that may be obtained between 1.5% and> 8% per year.
To get the return is relatively high (above> 5% per year), there is exposure to the stock option. However, the stock is also high risk. Thus, the need to understand exactly the type of risk that exist in a mixture of stocks mutual funds before you invest in it.
Meanwhile, for a minimal amount, at any instrument you choose, the numbers will vary depending on where you put your funds. The minimum amount of deposits placements at different bank A to bank B, and the minimum purchase amount X will be different mutual funds with mutual funds Y.
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