If you have any money to spare and don\u2019t want to waste it, the best decision would be to invest it. But where should you invest your money?<\/p>\n\n\n\n
A share is a security certifying right of its holder to manage and receive part of the profit of a joint-stock company. Many people own shares, but only those who have a controlling stake or the largest number of shares have real ownership and management rights. The rest of the shareholders are called \u201cminority shareholders\u201d, and their benefit consists mainly in receiving income per share.<\/p>\n\n\n\n
Bank deposits<\/strong><\/p>\n\n\n\n The method is well-known, reliable, and even state-guaranteed. However, in recent years, bank deposits have become less profitable. With negative interest rates, bank deposits turned into a money storage for a fee.<\/p>\n\n\n\n However, when the deposit rate exceeds the inflation rate, a bank deposit becomes a very safe investment, as the refund of the deposit is guaranteed not only by the bank but also (to some extent) by the state.<\/p>\n\n\n\n Mutual funds<\/p>\n\n\n\n A mutual fund is a company that pools money from many investors and invests money in securities, stocks, and other income-generating projects. Mutual funds make money for the investors by investing their money in other people\u2019s assets that bring profits.<\/p>\n\n\n\n The investments are made by professional managers who charge a fee for their services. Therefore, investment in a mutual fund is less profitable than the direct purchase of assets, but in most cases safer. Exchange Traded Fund<\/strong><\/p>\n\n\n\n However, some funds operate in the open market. One of them is ETF (Exchange Traded Fund). Like other funds, they invest in securities: stocks, bonds, and different debentures. After that, ETFs issue their own shares with the same price and yield levels as the average index of securities from the investment portfolio. So, an ETF that buys the stocks of high-tech companies receives an average income from the shares of these companies.<\/p>\n\n\n\n There are many other noteworthy investment options, but they aren\u2019t suitable for the majority of new investors. These are operations on exchange and OTC markets, Forex, binary options, cryptocurrencies, tokens, etc. How to invest $20,000?<\/strong><\/p>\n\n\n\n With this amount, you can do all of the above. However, there are many other options:<\/p>\n\n\n\n
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