Krasnodar, 28 January. The financial analyst and trader Yulia Afanasieva explains where a beginning investor should start, and whether people can become investors with just a small amount in account:
“In conditions of unstable economy, one would increasingly think how to safeguard their savings against inflation, which is why the popularity of investments is growing. “[Potential investors] should define types of exchange-traded and off-exchange assets suitable for investment to gain short- or long-term profits.
“Shares of stock and tracker funds, terminal market instruments, currencies subject to frequent fluctuations, and cryptocurrency are the riskiest investment instruments.”
Analysts agree that the initial investment can be low. For instance, the price of a federal bond is one thousand roubles. The price of unit funds starts from 5,000 roubles. Two thousand roubles would suffice to buy a share. However, such small investments would hardly bring any tangible and fast profit. At the same time, it would be too risky to start investing from a big sum. Experts suggest that beginners should begin from a sum around 30,000 roubles. Such investments would not bring high profits, but they would introduce the investors with market nuances. Besides, it would be better to divide the investments among several instruments. Then, upon getting the first results, the investors may analyze their mistakes and choose the most convenient variants for further investments. Only then it would be justified to increase the investment volume.
But still, if there is no understanding of what investments and market analysis really mean, the risks would be high. The most important thing is not to start investing without making out the topic.
Prof. Aleksandr Polidi is confident that it would always be better to act via professional players. As for the directions of possible investments, they can be divided into two parts. The first – bank deposits and currencies – would be responsible for liquidity and instantaneous access to money. At present, bank deposits are giving 7 to 8% interest per annum.
Experts believe that the future belongs to investments for nonprofessionals – index and real estate portfolios. Precious metals are also on the ascent now – but only if they are viewed as accounts strengthened with currency. But if they constitute a tangible asset – say, bars – then the need to pay VAT, storage expenses, etc. would appear.
As for real estate, it attracts people by the fact of tangibility of the investment object – it is a simple, clear and physically visible object, in contrast to some other investment tools, like shares, bonds, options or cryptocurrency. Besides, most of average people believe that they do not need to study, analyze or special knowledge to be able to invest in realty. However, if in the past the market used to forgive lack of special knowledge and purchase of realty independently, by intuition – at the cost of rapidly growing realty market where demand outstripped offer, now the market straightens up becoming more rational and civilized.
Even if you are going to buy a flat to your child who is not planning to start a family in the nearest decade, the value of such flat will be higher providing such factors as good climate, proximity to sea, low unemployment level and big job and business opportunities available in Krasnodar Krai. Besides, it is important to check the status of the land parcel on which the realty object is located.
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