By adulthood, a person, as a rule, accumulates a lot of life and professional experience. But the strength over the years only becomes less, and the number of illnesses, therefore, life on the threshold of retirement age becomes more expensive and more difficult. In order for old age to turn into a period when you can rest and enjoy peace, you need to take care of it in advance.
Instructions
Step 1
Open a deposit in a bank and take 10% of your income there. At first glance, the amount may seem small, but after a few years the income can become quite tangible. By putting money on a deposit, you can thereby protect your money from inflation. Be sure to monitor new offers so you can find the interest rate that suits you best.
Step 2
Invest in gold, silver, or palladium. At the same time, you can either buy bullion or simply open an impersonal metal account. If you choose the first option, keep in mind that in the future, if you decide to sell precious metals, you will be deducted an 18% tax. In this regard, just accounts are convenient: you can always depersonalize them, and besides that, it is convenient to replenish them and you will not have to pay taxes from them.
Step 3
One of the ways to accumulate and increase money are mutual funds (mutual funds). A mutual fund is a collective financial instrument, with the help of which funds collected from investors are combined into a specially created fund. If you decide to use this tool, first weigh your options and choose a reliable investment fund.
Step 4
Another tool for accumulating money is investing the funded part of the pension in a non-state pension fund. The profitability of your pension savings in this case is much higher than if they remained in the state pension fund. In addition, you can fund your account with personal savings.
Step 5
Buy investment coins. Many banks offer this way of investing money. You can buy coins made of gold and silver, and when you need money, you can sell the coins back to the bank. This method also has disadvantages: it is important to store coins correctly, otherwise even a small scratch or abrasion will cost you 50% of the cost.
Step 6
Invest in promotions. Stocks are more of a long-term investment. Note, however, that stock prices are highly volatile, which means you are always at risk. To buy stocks, you need to open a brokerage account with any brokerage organization. You will have to pay a commission for maintaining the account.
