Best investments to make in 2021 with simple strategies and little money



Recibe por email todo nuestro contenido.
Along with saving money, investment has been placed as one of the tips that experts have classified as essential to increase a person’s assets both in the short and long term. Are you thinking of investing? Here are some tips you could follow!

Saving money is one of the most followed financial tips in the world; after all, there will always be unforeseen expenses that could cause us serious financial problems if we do not have enough savings for such expenses.

1. How much money do you have to invest?

How to save money Closeup image of a woman putting coins in a glass jar with calculator on the table for saving money and financial concept
Photo: Shutterstock

The amount of money that is going to be invested in a given good will depend on a person’s annual income, since it is not a question of reducing the budget allocated to cover basic needs, but of using a part of the surplus to guarantee future financial stability. .

Finance experts recommend allocating a percentage of between 10% and 15% of the annual fixed income; For example, a person who earns $ 50,000 per year could invest from $ 500 per month to obtain an annual return of 6.5%

2 What types of investments are there?

Photo: Shutterstock

If you are determined to invest, you must first know which are the most profitable options according to your investment project, that is, if you want performance in the short, medium or long term.

There are investment options such as: retirement savings, purchase of stocks, bonds, investment funds, education savings, banking products, as well as the purchase of different types of insurance.

3 Save to be able to invest money

asian woman hand is putting a coin in a glass bottle and a pile of coins on a brown wooden table, Investment business save money
Photo: Shutterstock

Investing is a critical step, since many times a large part of the savings that a person has managed to amass over time goes to it. That is why it is important first to save and define investment options.

Allocate a part of your salary; For example, if you saved a dollar a day, you would have $ 365 to put in a savings account that will earn you enough interest; Over the years, you could make a fortune.

4 Look for different options

Young female student study in the school library.
Photo: Shutterstock

Before investing, consider what your short-term and long-term goals are. Thus, it will be easier to devise a strategy that allows you to achieve all your financial goals without risking your capital and your savings.

Make a financial plan and review which are your best options and which are the investments that, ultimately, do not suit your financial interests. You should also establish how long you will be willing to keep your investment.

What to invest in in 2021

investments Tablet computer with stock exchange data
Photo: Shutterstock

1 Actions

If you plan to invest in stocks, then you need to know what your best options are. For this, you can count on the help of a financial advisor to guide you through the process and help you choose which are the most profitable actions according to your needs and budget.

Likewise, you must choose an account in which you will make your investment; A passive investment option is the accounts known as robo-accounts, which help create specialized plans for each user to achieve their financial goals.

2 Bonuses

bond investment
Photo: Shutterstock

Bonds are a very useful form of investment that can yield significant returns for the buyer. Finally, it is about buying or insuring a bond granted by a government institution, which has the mission of returning the amount invested plus all the interest generated by it.

The first choice that the buyer will have to make is to decide to keep or sell these bonds; If you choose the second option, you will need to make sure you get your initial investment back so that you can use the money for another investment or use it for another purpose.

3 Investment funds

Inversion Human hand stacking coins over a black background with hexagonal golden shapes. Concept of investment management and portfolio diversification.
Photo: Shutterstock

Finance experts recommend that investors who choose this strategy commit to holding the investment for at least 5 consecutive years. Mutual funds come from many independent users and are operated by a main manager.

This is in charge of investing the money of all users in different national and foreign goods; finally, each initial investor will be assigned different units that represent their share of the funds.

4 Applications to invest

Business man holding phone
Photo: Shutterstock

Currently, one of the advantages that technology offers is the possibility of investing without leaving home, in an automated way and choosing specific applications for each type of budget.

There are many applications to invest that do not require a minimum investment and that allow accounts to be kept at zero; Thus, it is possible to multiply the investment gradually and continue investing when the necessary funds are available to do so.

5 Loan websites

Loan Application Bank Finance Money Businessman Concept loan
Photo: Shutterstock

If you have an extra income that you want to invest, then loan applications and pages could be a great option for you. These sites specialize in lending money through electronic transfers or sending checks.

This option has been around since 2005, and since then it has been positioned as an investment strategy suitable for almost anyone. Sites like Lending Club request a minimum of $ 1,000 to start a fixed investment.

6 Small businesses

Portrait of happy woman standing at doorway of her store.
Photo: Shutterstock

Companies like NextSeed have distributed profits of up to 7 million dollars among investors who have bet on their catalog of small businesses; thus, the benefit is shared among all those involved in the process.

The advantage of this type of investment is that the benefits are generated in the long term and it does not require a large capital to achieve a return on investment, in addition to the fact that the risk is low.

7 Properties

Shutterstock Real Estate concept
Photo: Shutterstock

How to invest in real estate? Investing in real estate will always be one of the main tips from the experts to generate a constant return on investment, since properties, in general, are always increasing in value.

However, it is important to know that there are different ways to invest in real estate. One of them is through investment companies, as well as investment in specialized real estate platforms; Finally, the recommendation is to invest in properties destined for rent, so that a fixed profit can be obtained on a monthly basis.

8 Startups

Rocket sketch drawing with crumpled blue paper ball on chalkboard. Successful business startup.
Photo: Shutterstock

Startups have grown in popularity in recent years; Most of them present innovative products or ways of working that attract the eyes of thousands of investors, who trust in the ability of the product to generate millionaire profits in the short and long term.

The recommendation is to invest up to 5% of the annual salary in an emerging company, taking into account that this sum is a risk and that nothing guarantees a return on investment. For this reason, it is not recommended to invest the maximum amount.

9 Cryptocurrencies

Bitcoin forget password Stefan Thomas
Photo: Shutterstock

How to invest in cryptocurrencies? Well, this is an emerging market that promises significant long-term returns. Something to take into account is that experts have classified cryptocurrencies as the riskiest investment that currently exists in the market.

However, this has not been an impediment for great figures to bet on this option. Among the most recommended are companies such as Bitcoin, Ethereum, Compound, Polka Dot, Cosmos, and Bitcoin Cash.

10 Gold

Gold bullion stack. Financial concept. Set of gold bars.
Photo: Shutterstock

Gold has been one of the most used forms of investment by our ancestors, since it is a natural good with great demand, which makes its value stable and increases over time.

It is possible to invest in gold futures, in mutual funds, in gold bars or, in addition, use a part of the savings so that an expert makes the investment for us within a specialized platform.

The post How and in what to invest money in 2021 with simple strategies and little money appeared first on Hispanic World.


Regresar al Inicio