What to invest free money?

The problem of choosing an investment portfolio is worth today is very acute. The vast majority of Russians are accustomed to place the money in bank deposits, not thinking about the possibilities for this alternative investment. Managing Director of Customer Service Finance Company Ankorinvest Artem Laptev told Bank.ru, how to determine the object of investment, can raise capital through the stock market, and why you need to have a strategic plan for managing their own finances. - Today, more and more people are thinking about how to increase their own capital. Could you give some tips to start-up investor? Where should a novice begin? - You must first decide to invest, as well as answer the question, what result do you expect from money invested. Every person who thinks about his future, should have a strategic plan for managing their own finances. Based on the strategy, developed defined concept. It's one thing if you have short-term speculative money, and another - focus on long-term capital gains. - In which financial instruments can now invest in? - The investments to date, not so much. It's stocks, bonds, real estate, private business, luxury goods (gold, jewelry, diamonds), metals, oil and other raw materials, works of art, as well as cash, demand deposits and short-term deposits in various currencies. All of these instruments differ from each other as potential income, and liquidity. - How do you comment on the situation on the market before the crisis and beyond? Over time, people began to invest more? - Before the crisis, the Russian population has been very little new to financial products. The first information began to leak only in 2005, and the next three years were a period of active growth of the investment public. Basically, people were interested in mutual funds and to Internet trading. In 2008 the situation changed dramatically. After the market collapsed, ordinary people become psychologically harder to invest, although statistically every 10 years a crisis. Professional investors, by contrast, benefited from the situation then: they began asking prices and buy. As a result, after 2008 the stock market came to a fairly educated and professional market participants. Now the dynamics is changing. People are no longer guided by the greed inherent in many pre-crisis period, and fear, friends on the crisis. On their replaced by a sensible approach. - How popular among the Russian stock market? - In the U.S., about 70% of the citizens, one way or another, relate to forms of collective investment vehicles and other products in Russia per se, only 9%. Customers who come to us to invest, not the exception. Typically, the portfolio of these people, 70-80% consists of deposits. For most of the concept of the stock market is still fraught with the casino. Although, according to the classical theory of money management, somewhere around 60-70% of the funds should be placed on the stock market, and the remaining 30% - on deposits and other instruments. - In your opinion, why domestic investors do not trust the stock market? - This is primarily due to the fact that so many people in our country adhere to ultra-conservative views. Due to various psychological reasons, they trust only the largest financial institutions, and do so at the expense of our own benefit. As a result, they are willing to pay money to be deposited in the Savings and get 4-5% per annum. Typically, these people are not engaged in business, risk profile they are very conservative, and therefore to communicate on investment with them is very difficult. - Tell us about asset management services. How does it differ from brokerage service? - When brokerage services independently decide on investing in the stock market. Asset management, by contrast, suggests hiring a professional manager. The second option is more suitable busy people that do not have free time to good governance. After all, not everyone can pay the market for at least 4-5 hours a day. - What is the minimum entry threshold for trust management? - Our partnership with the investor starts with three hundred thousand rubles. This is the minimum amount at which a person may become a client of our company. Typically, the initial stage investors are making "on trial" only 10% of the amount originally wanted to make, and then gradually increase it. - And what about the premium brokerage? - In this case, the broker is a personal consultant for a client and can not perform the operation without his permission. Premium Brokerage - an intermediate stage between the internet-trading, when a man used to do everything himself, and trust management, in which he has not fully believe. So, on the one hand, to manage their own assets a client hires a professional manager, and with another, without his approval does not pass a single operation. - What commission charges "Ankorinvest" for services rendered? - The main income of our business consists of fees for success, ie it all depends on the quality of operations. Typically, it ranges from 15 to 20%. In this case, if the company did not earn for the client, and she gets nothing. The only exception is the commission (up to 1,5%), levied to pay for operating costs. The result of this motivation as a result of this motivation for the company. As a result of motivation from asset management in 1,5-2 times higher than the yield of the stock index. - For how long should invest money in order to substantially increase their capital? - Of course, more profitable and secure a long-term investment. The market is a property of unpredictability, it can fluctuate, and within one year is much more difficult to predict how he will behave. Another thing, if we, for example, take 1 million rubles. and trace the growth of money invested for 10 years: with an average annual return of the stock market in 25% of the amount to increase to 9.3 million rubles. Such is the efficacy of long-term financial management. For comparison, the same amount invested in traditional bank deposit, for the same period will increase to only 2.3 million rubles. - But not everyone has the correct amount with which you can enter the stock market - certainly at this time we look at people who already have accumulated funds. But for most people to delay 100 rubles. per day or 3 thousand rubles. a month is not too difficult. With an average annual profitability of the market in 25% after 15 years we can expect the capital increase to nearly 6 million rubles. And when you make a minimum amount of three hundred thousand rubles, and the subsequent monthly reports to the three thousand rubles., The total amount could increase to 18 RR. Of course, lose money on long-term growth market is possible, but provided the correct approach is extremely unlikely. In my opinion, almost everyone under the force to ensure its future, it is enough just to think about its financial well-being today.