Have you earned a large amount of money, the amount of which is expressed in a six-digit, or even more, figure? Congratulations! Now it’s worth thinking about where to invest a million, but so that it also brings income!
The first thing that most often comes to a person’s mind is to deposit money in a bank. The most reliable and safest tool. Although, we still have not forgotten the situation that happened in the 90s ... Of course, the banking structure has changed a long time ago, citizens' deposits are subject to compulsory insurance, and in the event of bank failure, you will definitely return 700 thousand of the million invested. And you can return everything - just split the money in half and store in different banks. Analysts answer citizens' questions about where to invest a million, answer - in a bank deposit, but dividing into several deposits in different currencies, and choosing a bank with state participation. This is the easiest and less risky way.
And if you want to make sure that the money is not just saved and brought a small passive income, but “worked” and brought much more? Where can you invest money profitably in this case? Experts advise to pay attention to investments in securities. Statistics show that over the past century, stock market profitability, i.e. income from securities almost doubled inflation, and this is really net profit! There are many questions - risk, profitability, guarantees and the main question about where. It would be foolish, at least, to invest a full million in stocks of one company. It is always worth having an “untouchable reserve” that can be kept in the same bank deposit, so that in case of an unforeseen situation there is little to get from.
Risk is a noble cause, but not everyone can afford it, so most often our compatriots prefer to have a materially expressed investment of their funds before their eyes. When asked where to invest a million, 99% of citizens answer - in real estate! It is understandable - before the crisis, housing prices rose by leaps and bounds, so those who had in their arsenal “investment real estate” in the form of an apartment could easily sell it at a fabulous price or receive additional monthly income at a rather a nice size. To date, prices have stabilized and their increase is comparable to inflation, so this type of investment is akin to a bank deposit - in monetary terms, the benefits are not so great! Of course, if at the moment you have removable housing, then the solution is clear - you need to solve the housing problem.
These were the most common and safest methods of preserving and increasing their capital. However, there are still plenty of options - starting your own business, buying gold and other precious metals, joining completely new financial funds that promise big profits in a short time and more. Therefore, before finally deciding where to invest a million rubles, weigh the pros and cons more than once, because losing everything is very simple, and it can take years to recover!