Lately, money has become increasingly important. Now people think not only about where and how to make money, but also how to invest the funds received. That’s why investing is becoming so popular and even in some fashion. True, most of those who know something about investment, in fact, have extremely fragmented and unreliable information.

That’s why so many rumors are circulating around the investments, myths, there are their legends. You can even highlight a group of the most popular misconceptions about this topic, which are firmly embedded in the mind of some people who have never really engaged in investments.


To start investing in something, you need to collect an impressive start-up capital.

This myth of investment is, without exaggeration, the most popular. And he appeared due to the fact that there really are areas that require considerable investment. These are objects of art, real estate, precious ornaments. But no one interferes with the choice of cheaper options. Especially in the market there are always options for cheap investment. You can even find an unraveled project, a kind of “dark horse” and invest in it means. The risk, of course, is present, but lead and the amount can be lost a little. But it is worthwhile to understand that from the investment of small funds and profit will be appropriate. So to increase profitability will have to constantly increase the amount of its investment. Experts advise to invest at least 10% of the money earned every month.

In order to become an investor, one must first obtain an economic education.

To work with investment, an economist’s diploma is not needed at all. Anyone who has more or less mastered the basics of financial literacy can become an investor. With its help, you can reduce your costs and begin to postpone funds. And to learn investment is not so difficult – today there is a lot of literature on this subject, many Internet resources also tell about investing. There are also training seminars that will teach both the distribution of the family budget and the investment opportunities that have developed in the country at the moment. So you can self-educate yourself. The main thing here is to try. After all, without using your skills in practice, you will not be able to earn valuable experience. It is he who is the very baggage that will ensure success.

Investments are very difficult.

From the outside, it often seems that the investor is constantly sitting around the graphs, analyzing something, spending almost all of his time on it. In fact, this is a common misconception. In order to become an investor, you simply need to select several financial instruments, study the pre-market and calculate all possible risks. If you deal with the acquisition of securities, then this procedure will be even simpler. It is necessary to select only a few proven and stable companies, whose securities can provide the desired profitability. It remains only to register your deal with brokers. If there is any doubt in choosing a company, then the same brokers can get a free consultation.

Investing, you can lose all means.

No one even says that this activity is absolutely safe. However, with sound reflection, it may turn out that our life is generally full of risky situations. Investing is as risky as nothing more than swimming or driving a car. The mistake will be to invest all of its funds in a suspicious fund with a high level of profitability. After all, it will be possible to lose all your money. Any good investor starts by choosing tools to create his own investment portfolio. We must carefully weigh all the risks and profitability, diversify our funds. With a reasonable approach, investments will turn into profits, not loss of capital.


Investments will turn into participation in the next financial pyramid.

Anyone who wants to avoid participation in financial pyramids must remember the main signs of it. Such a structure guarantees the receipt of unrealistically high incomes, there is no produced product, and profit comes at the expense of other people. Information on the work of such an organization is usually hidden, and registration is carried out offshore. Pyramids like to entice investors with corporate events, raffle tickets and prizes.

An investment will take a lot of time.

For those who have never made investments, it seems that the choice of assets for this is a time-consuming process. Only here in our country is not so much and a lot of financial instruments to think about them for a long time. You can generally give your money to professionals, participants in the financial market. It can be either a brokerage company or, in general, a deposit in a bank. It will be possible even for a while to forget about your investment and certainly not to waste time on it. During this period, the funds will be managed by professional managers, so you have to allocate time just to find the right company.

Investments are better for studying in some other countries, but not with us.

In fact, it is in Russia and the CIS countries that you can get the highest yield. If in our country the maximum yield of corporate bonds reaches 8%, then in America and Europe – does not exceed 5%. And in Kyrgyzstan, profitability in general reaches 20%. And information about domestic public companies is much easier to obtain than foreign ones. This leads to a reduction in risks. In such a situation it will be appropriate to recall patriotism, because it makes its own, albeit small, contribution to the development of its own country. It is important that money does not lie, but work and make a profit.

No third-party specialist is needed for investment.

Even if the decision to manage cash is taken alone, without contact with a third-party specialist, you can not do. If a person starts to hurt his teeth, then he goes to the dentist, and to no one else. A similar situation develops with investments. Purchase and sale of securities is impossible without the participation of a brokerage company. In any case, you need to make the right and adequate decision. If there is free time, then it is better to spend it on analyzing the current situation and make the decision as carefully as possible.

The subject of investment should be only one tool.

So it is simply unacceptable to act! If you invest all of your funds in one thing, then the risk of losing capital will grow significantly. For example, it is believed that the best object for investment is real estate. Many people invest in it. But who said that real estate will certainly turn out to be profitable? With the growth of inflation and it increases in price. And you can reduce your risks due to a reasonable distribution of your investments, diversification. It is this that is an important condition for the effective investment of funds. While forming your investment portfolio, you must invest part of the funds in those tools that will ensure a guaranteed income. This can be government securities, bank deposits or bonds. Also you can refer to those specialists who will help to create the most profitable portfolio in which risks will be minimized.

High income is possible only through speculation.

The majority of ordinary people think that with the help of speculation you can increase your capital in just 10 years, or even 20 times. And it really seems possible. But if for a day the stock price fluctuates by 5%, then in terms of a year it turns out just about 1800%. In reality, even experienced investors with the help of speculation can earn no more than 100% per annum. The rest are happy, if with the help of such a tool generally remain in the black. Practice has shown that a lot of money with the help of speculation is just a myth. Yes, in our country, daily speculation on the stock market is simply impossible.For such a game you need to register on an international site, which will immediately require additional costs. Check the reliability of this site is not easy. This again suggests that the myth of the insolvency of domestic companies is created from scratch.


Investing in securities is akin to playing in a casino.

This myth is a kind of the statement that you can make quick and much money on speculation. This approach is somewhat similar to a casino, where rapid enrichment is also possible. So there was a myth about the riskiness of investing. Indeed, if you are engaged in speculation in the stock market, the risks of losing your funds will be higher. But if it is reasonable to invest money in securities, the chances of losing will be much less. World experience has proved that investing is not so difficult as it seems to many. The correct approach and will require a little, and minimizes the risks. But thanks to investment you can create your own financial independence. So you can not just save money, but still get income from them. And all this – without much effort and time. The main thing is not to be afraid of inevitable risks, not to postpone for later and start investing as quickly as possible.

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