The modern capitalist world assumes that the money that the consumer has accumulated over a certain period of activity should work and bring him additional or main income. For such purposes, funds can be placed in depository accounts or invested in anything.
In order to make deposits, you need to have at least some basic level of knowledge in this area. In addition, you need to familiarize yourself with the peculiarities of the activities of objects in the particular sector of the economy where you are going to invest. Now let's look at a few basic terms that will help you better understand the principle of the investment process itself.
The concept of investment goods is one of the fundamental ones in macroeconomics. It should be understood in an almost literal sense - these are goods that are purchased at the expense of financial investments and are used by the enterprise to produce other goods and services. They are also used to expand production, increase its volumes, increase capacity and modernize. All investment goods within one country together form its production capacity. The same applies to a single plant or holding, for example.
- Buildings necessary for organizing the process of manufacturing any product - workshops, railway stations, etc.;
- Ways of communication between various production facilities and warehouses and places of sale of goods - highways, highways, railways, waterways. Also, for some sectors of the economy, the presence of gas pipelines is important, the construction of which is also carried out with invested funds;
- Mechanisms and equipment on which the process of processing and manufacturing of products will actually take place;
- Office buildings and buildings of a state nature, which are needed not for production, but for the sale of goods, and, therefore, obtaining Money to continue production.
What are investment products
There are several criteria for choosing an investment product. For example:
- An assessment of the reliability of a company offering you to invest in something. If a company is at the bottom of the rating list, this indicates its low level of reliability and makes you wonder whether it is worth cooperating with it;
- Legislation or prospectus. These documents describe the very essence of the investment product and are mandatory for it. If they are not there, then the investment product is not registered anywhere;
- A subjective, but often fundamental factor is the quality of service. If at the company’s office you were rude, rude, and received at the wrong time, then you will have no desire to cooperate with this organization.
What are investment services
Investment services can be provided by various organizations. For example, to a similar type financial services include investment consulting, that is, providing information of interest about investments, assistance in developing a behavioral strategy with an assessment of the characteristics of the investment sphere, as well as the risks inherent in this process.
Most often they talk about investment banking services. They include:
- Ransom valuable papers on financial market or sale to the first owner. In this case, the bank acts as an assistant and intermediary between the issuer who places its shares and the final investor who purchases these shares;
- Mergers, acquisitions of companies and holdings, as well as their structural reorganization associated with such restructuring. In this case, the bank does not manage the portfolio, but finds a buyer for the shares, develops algorithms and plans for changing the structural organization;
- Trust management. The client delegates to the bank the authority to manage the stock portfolio. At the same time, the bank independently studies the features of the market, monitors its trends and risks;
- Brokerage intermediation in the purchase/sale of certain securities. The purchase is most often made at the expense of the client, but sometimes the bank can issue him a loan to purchase shares.
Russian banks offer their clients to master new technologies for managing personal finances, which have long been practiced in the West. In the deposit operations segment, there are completely special solutions that simultaneously combine classic contribution and others investment instruments, more typical for insurance, brokerage or management companies. Such investment portfolio can be called differently - structural, complex, or index product. Its meaning is that while one part of the client’s money is guaranteed to increase its volume, being on a bank deposit, another part of it works, for example, in a more potential (in terms of profitability) mutual fund market.
Among the structural banking products most often there are investment (with the obligatory purchase of shares in investment funds) or insurance (when the client, in parallel with a short-term bank deposit, accumulates enough a large sum money over a long period, counting in decades).
If we consider a citizen’s participation in accumulative life and health insurance, it is somewhat different from traditional savings banking programs not only for a long period (from about 5, usually from 10 to 30 years). The distinctive feature here is the non-guaranteed investment income(i.e. added value), as well as the option of early payment of the amount upon the occurrence of an insured event.
The advantages of mutual investments can turn into disadvantages under unfavorable circumstances. stock market. Therefore, the investor either risks losing profits, or, on the contrary, wins several times more than the highest deposit interest in the bank. Typically, the bank guarantees at least the return of the investment share invested in the structured product, with which shares of mutual funds are purchased. In this sense, the largest funds cooperate with the bank, which build their strategy on the market, betting on “blue chips”, i.e. for highly liquid companies in the field of production, subsoil mining, finance, energy, etc. Moreover, a bank depositor does not have to be an “advanced” investor; all decisions in the stock market are made by management companies.
Thus, by diversifying personal savings and choosing a structured product, a depositor can receive not only increased profitability in the most reliable Russian banks. Other benefits await him in the form of unlimited investment income or the opportunity for much longer-term accumulation of family finances. Note that the structural product is often referred to wealthy people have long been using insurance and investment instruments.
NOMOS-Bank
The “Nomos-Investment Deposit” product divides the client’s funds into two parts: a classic bank deposit and mutual funds managed by the management company “NOMOS-BANK”. The investor himself decides where his shares will operate - on the stock market, bonds, gold or on an alternative developing market. To receive increased income, no less must be kept in a deposit account than in a mutual fund. Minimum for each of these two parts: 15 thousand rubles or 550 dollars or 500 euros. The deposit rate depends on the term: after a month -11.74% per annum in rubles or after 3 months - 9.89% in rubles, 5.09% in any foreign currency.
The term deposit “NOMOS-Insurance Deposit” allows you to receive an additional 13.25% in rubles and 6.6% in foreign currency, subject to the registration of an endowment life insurance policy (from 10 years) in the PPF “Generali Life Insurance”. The minimum contribution is from 60 thousand rubles or the equivalent in foreign currency.
Binbank
“Investment in the Future” opens after registration insurance policy. For insurance, you can choose one of several investment programs with different conditions for accumulation and receiving additional income. For example, long-term investment in a savings or investment policy. Here funds are deposited gradually over a long period of time. At the end of the term, the investor receives not only the planned amount, but also investment income. Another program “Capital Management” suggests investing in rising oil prices, RTS shares, precious metals, BRICS index.
The terms of a bank deposit require a minimum amount of 100 thousand rubles. The contract is concluded for 366 days. An annual return of 13.25% is paid at the end. There are no additional fees.
Russian Standard Bank
Russian Standard Management Company manages several mutual funds. The bank's depositors have the opportunity to buy shares of the Catherine the Great precious metals fund or shares of Peter I or the Mutual Fund of mixed investments "Empire" through the investment product "Fabulous Investments". This deposit combines a classic deposit with a higher interest rate and mutual investments.
A certain share is invested in each of these instruments common funds client. For example, 70% remains in a bank account at 11-13%, and 30% is invested in mutual funds. Or another option, when all the money is divided into two equal parts, in this case the bank account grows by a slightly larger percentage of 11.5-13.5% per annum. The specific rate depends on the period (180-720 days) and the amount, the minimum of which is 30 thousand rubles.
Investment Republican Bank
Here they offer a choice of three deposits, combining classic bank deposits and others financial solutions for capital gains. Each deposit is opened in an amount of 10 thousand rubles, for a period of one year, at 11.5-12%.
The special terms of the “First Investment” agreement suggest that the amount of interest income on the deposit is accrued at the beginning of the term with its simultaneous transfer to the brokerage account for the purchase of Mosoblbank shares. The “Second Investment” deposit obliges you to purchase an amount of at least 50 thousand rubles. shares are so reliable and large companies, like Gazprom, LUKOIL, Surgutneftegaz, etc., where dividends are paid to shareholders. Finally, in the “Third Investment” deposit in the amount of 30 thousand rubles. highly liquid bonds and shares are purchased through mutual funds.
Bank Uralsib
Investors of this bank can choose from two deposits “Deposit + Mutual Fund Conservative” and “Deposit + Mutual Fund Dynamic”, which differ in the set of stock instruments and very slightly in the size of deposit rates (9.1-11.5% in rubles or 1.7-2.7% in foreign currency). Both have the same terms (91, 181, 367 days) and minimum amounts (from 50 thousand rubles, 2 thousand dollars/euro). The volume of shares purchased must be no less than the deposit amount. There are no additional contributions specifically for the deposit.
The owner of the “Conservative” agreement invests in the mutual fund “UralSib Gold” and the “UralSib Fund Conservative”. The “Dynamic” deposit makes it possible to invest in mutual funds of both stocks and bonds, as well as make mixed investments in such well-known funds as “UralSib Oil and Gas”, “UralSib Metals of Russia”, “UralSib Energy Perspective”, etc.
Citibank
This bank also has two comprehensive products that combine a deposit and another investment instrument.
The first one offers to connect to cumulative life, health and disability insurance. The policy is issued for a period of 10 to 30 years, at the end of which the accumulated amount plus investment income is paid. The frequency of payment of contributions is quarterly, annually or other at the client’s choice. You can undergo a medical examination at the expense of the insurance company. A fixed-term bank deposit in this package is opened for 150 days at 11% in rubles or 5.5% in foreign currency.
Another agreement “Fixed-term (with investment products)” is concluded for 33 or 100 days at 6 or 7% per annum. Its stock instruments are managed by financial VTB Group, Sberbank, Alfa Capital, Deutsche UFG, TKB BNP Paribas, Uralsib.
Bank Rosgosstrah
IN tariff schedule“Investment” deposit has four terms – 1, 3, 6, 12 months. In addition, the rate (10-11% per annum) also depends on the range of amounts, minimum value which is 25 thousand rubles. By the way, you can earn 11% in just 31 days if you invest more than 450 thousand rubles. Additional contributions are not accepted.
But first you need to purchase shares in an amount not less than the size of the deposit. RGS Asset Management manages 9 funds that operate assets such as bonds, stocks, index and sectoral funds, mixed investments. Mutual fund specialists play on the rise and fall in the value of securities of leading companies in the Russian economy (blue chips) that have stable forecasts development in the field of oil, gas, metal ores and precious metals production.
Promsvyazbank
Due to the fact that the interest on the Financial Protection deposit is capitalized, the effective rate will increase to 11.57% in rubles and 6.7% in euros or dollars, although the depositor can choose another form of payment - monthly annuity. An agreement for a period of one year is concluded for an amount of 1 million rubles or from 30 thousand in foreign currency. There are benefits for early termination agreements when ruble rate will drop to 7%.
For maximum amount The contribution limit is set, which depends on the already accumulated contributions to the life and health insurance policy from IC Alliance ROSNO Life. The policy is purchased as part of the “Financial Protection of Loved Ones” program by participants Private Banking to implement personal and family plans. Clients have a guaranteed income on their accumulated insurance amount in 5 or 30 years.
Nordea Bank
This capital bank can offer potential investors the “Your Future” deposit with the obligatory joining of one of the endowment life insurance programs in the Insurance Company “Alliance Life”. The deposit is opened no earlier than a month after purchasing the policy. The rates of this special deposit are higher than in other Nordey products. After a year, the investor will receive an additional 10.5%. Minimum bid 9.5% is accrued after 3 months, and after six months 10%. The maximum for euros and dollars is 4% per annum. The minimum amount for savings is 30 thousand rubles.
Insurance company specialists will help you choose the best insurance program option. For example, financial plan“A Start to Life” is intended to invest in the future of children. For their parents, there is a Future Guarantee plan that allows them to save money by a certain age.
Raiffeisenbank
Tariff schedule Russian bank with purely Austrian capital contains several structured products designed for investments in mutual funds or endowment insurance. You can choose from six deposits, each of which has its own term (30, 181 or 365 days), rate (maximum 10.5% in rubles or 8% per annum in euros/dollars after a month of validity of the deposit "Insurance premium (with an insurance period of 10 years)") and the minimum amount (from 15 thousand rubles or 500 euros/dollars).
A feature of the insurance policy is its term (from 6 to 30 years). Mutual funds where private investments are placed are managed by the same-named subsidiary of the Austrian financial group - Raiffeisen Capital Management Company.
Do you want to make a profit by investing in an investment product? Every Internet user has probably encountered such a proposal more than once. Especially if he is interested in Forex trading. Here is the quantity investment products growing by leaps and bounds. But is it true that each of them will definitely bring high profits? What is hidden under the beautiful and clever phrase “investment product”? Let's try to find answers to these and other important questions.
Investment risks and opportunities.
Actually, investing is just one way to allocate capital. Moreover, it is not the most reliable and not the most profitable. It is much more profitable to develop your own business. Although, you can achieve success in it only if you have good ideas, knowledge of your business, perseverance and, as a rule, hard work... It is much safer to invest money in a bank (preferably some state savings bank, since commercial ones burst from time to time). The risks will be minimal, but the profit will be symbolic.
The advantage of an investor is that, without doing practically anything, he can “cut off” interest on his capital. Profits are higher than in bank accounts. But neither in Russia nor in other countries of the world does the state guarantee the investor the safety of his capital. Therefore, he must always remember the likelihood of financial losses and choose the investment product in which the ratio of profit and risk will be optimal.
By the way, an investment product is any object of investment: an agreement, a business plan, property - anything in which large or small capital can be profitably invested. If you buy a bond, a share in a fund, shares or a piece of property in commercial company, you invest in an investment product. You can invest in a portfolio that consists of several assets at once. You can structure it by making up both highly reliable and highly profitable but risky assets.
Same as on stock exchanges, investments in Forex are made in order to invest them in profitable projects. Your money is needed by traders who know how to effectively manage capital and conduct profitable trading. It is more profitable for them to attract investors than to take, for example, loans. After all, the loan must be repaid within the agreed time frame and with predetermined interest. If the borrower gets into trouble, the lender will still demand his money with interest. The investor will receive income only when the product he has chosen turns out to be profitable.
The return on investment directly depends on the success of the manager. If the investment product fails and the trader loses capital, you will also be left without money. Therefore, it is so important to make the right decision when choosing an investment property.
| Points | Votes BEHIND | Votes AGAINST | Result | Vote | ||
| 1 | 1,025.00 | 154 | 34 | 1,145.00 | ||
| 2 | 1,025.30 | 121 | 31 | 1,115.30 | ||
| 3 | 1,034.00 | 50 | 6 | 1,078.00 | ||
| 4 | 1,032.20 | 43 | 13 | 1,062.20 | ||
| 5 | 782.00 | 89 | 12 | 859.00 | ||
| 6 | 335.60 | 268 | 7 | 596.60 | ||
| 7 | 318.00 | 79 | 13 | 384.00 | ||
| 8 | 317.50 | 89 | 31 | 375.50 | ||
| 9 | 329.50 | 43 | 5 | 367.50 | ||
| 10 | 303.00 | 74 | 13 | 364.00 | ||
| 11 | 270.20 | 78 | 20 | 328.20 | ||
| 12 | 226.00 | 64 | 23 | 267.00 | ||
| 13 | 196.60 | 34 | 17 | 213.60 |
Types of investment products on Forex.
Various services, financial instruments, portfolios, strategies offered by managers can become the object of your investments. Forex opportunities to invest in a standard product or create your own individual project very large. Even if we wanted to, we couldn’t even list them all. Let's look at just a few that are popular.
- PAMM accounts: You give your money to the management of an experienced trader. He carries out transactions on the Forex market simultaneously with his own and attracted capital, earning profit for himself and his clients. The manager's services are paid in the form of commissions on turnover or profits.
Advantages : An experienced trader who knows his business well and makes a minimum of mistakes is trading instead of you. The return on such investments is almost always higher than that of novice Forex traders trying to make trades on their own.
Flaws : Guarantees of capital safety come down to the fact that in the event of bankruptcy, the manager will lose his money along with yours. But for various reasons, many PAMM accounts turn out to be unprofitable.
- PAMM account portfolios: You can choose several managers between whom you will distribute your capital. The rest is the same as in the previous paragraph.
Advantages : It is reliable that several managers will not drain deposits in unison, making the same mistakes.
Flaws : Portfolio returns look like a cross between the results obtained from successful and unsuccessful traders. That is, you will earn less.
- PAMM account indices: The product is very similar to a briefcase. The index is compiled by brokerage companies themselves from several of the most profitable accounts. Profit is calculated as the arithmetic average of the results of all PAMM accounts included in the index.
Advantages : Specialists select accounts for investment brokerage company, which allows you to avoid most mistakes at this stage. If a manager does not provide profitable trading, he is excluded from the index.
Flaws : All the same, the assessment of investment prospects is made based on the past results of managing traders. We have to believe that there will be no changes for the worse in the future.
- Auto trading: Automatic copying of trades successful traders, trading using signals or setting up robot advisors. Transactions are made on your account, but without your participation.
Advantages : You can stop automatic trading if you are not making a profit.
Flaws : Strict requirements for the minimum amount of invested capital. When the nature of the market changes, signals may not work effectively.
- Strategy portfolios: The broker tests a number of auto trading strategies, choosing the most profitable ones for this moment. A portfolio of strategies is formed that are offered to be configured on the trader’s trading terminal. All you have to do is subscribe and start performing transactions automatically.
Advantages : Risk protection is higher than investing in individual auto trading advisors or signal providers.
Flaws : Typically an even larger deposit is required than for auto trading.
- Precious metals, CFDs, futures and other financial instruments on the Forex market: Actually, they can be traded like currency pairs. But it makes sense to keep positions open for many months, waiting for a significant change in quotes, which will actually become an investment.
Advantages : Prices for gold, oil, shares of the world's largest companies, etc. behave more predictably than currencies, which makes it easier to find a strategic entry point into the market.
Flaws : Despite the fact that you do not need to sit in front of a computer monitor all day, your risks are just as great as those of other traders.
- Active investor- investment product of the brokerage company PrivateFX:
Advantages
: you can work from one trading account in several directions at once;
can be used best strategies each manager. At the same time, in real time you can monitor the progress of traders’ trades; the investor selects to his taste those that correspond to his personal preferences. Receive greater profits compared to classic PAMM managers.
Flaws : Usually an even larger deposit is required.
What investment products are offered by Forex market leaders?
The ranking of the best investment products of 2017 includes companies occupying leading positions in the Forex market. Let's see what investment products are available to clients of brokers who have received the highest ratings from the MasterForex-V Academy (more than 500 points).
- PrivateFX. The company offers PAMM accounts, PAMM account indices and a new service "Active Investor", which is something between PAMM and autocopying, and also includes the ability to trade independently. By the way, this service helped the broker win the “Discovery of the Year” status in 2015.
- FxPro. The company develops trading strategies for its clients, offers risk management systems, as well as special platforms for automated trading.
- Saxo Bank. The broker offers to invest in bonds, stock indices, futures, stocks, options and other instruments.
- You can invest in PAMM accounts, PAMM portfolios, investment funds and structured products.
- Swissquote. You can invest in funds, bonds, indices, futures and other instruments.
- Offers PAMM accounts, auto trading and creation of trading strategies.
- FBS. The broker offers its traders and investors investments in the Forex currency market.
- . The broker provides the opportunity to invest in the following investment products: Project "Personal Trader", "PROFIT-COPY", "Passive Income" 26% per annum.
- The broker provides the opportunity to invest in the CopyFX transaction copying service and RAMM accounts.
- . This broker foreign exchange market Forex gives its traders the opportunity to invest in their PAMM service.
- . Broker Forex market allows traders to invest in PAMM
- Alpha Forex. You can invest in precious metals, raw materials and energy, Eurobonds, American stocks, European stocks, Russian shares, indices, forwards.
- . The Forex company provides the opportunity to invest in LAMM and PAMM accounts. Possibility of connection trading signals from MetaQuotes.
- Instaforex. InstaForex company provides the following investment instruments: Forex options, ForexCopy system, PAMM system, InstaWallet system.
How to choose an investment product?
First of all, decide on two points:
- How much money are you planning to invest?
- What is your goal?
Once you answer these questions, your choice of investment property will narrow down on its own. However, try to answer them correctly.
Unfortunately, the Russian average person still has to explain that it is better to keep money set aside for treatment or education to oneself and not invest in risky enterprises. Moreover, you don’t need to take out a loan secured by a single apartment in order to make a profitable investment. It is accepted to invest only available funds, the probable loss of which will not lead to a significant decrease in your standard of living. If you calculate the amount of investment based on these considerations, no disaster will ever happen. Even if attempt number one fails, the second or third time you will win back your losses.
Now about the goal. An investor's primary goal is to protect his capital from inflation. Over time, even the most reliable and highly liquid currencies depreciate. If they are not multiplied by at least the percentage of inflation, capital will evaporate like water from a puddle on a hot summer day. Alas, not all bank deposits allow us to achieve at least this goal. But conservative investment products with high guarantees make it possible to beat inflation, receiving not only nominal, but also real profits.
On the Forex market you can find many products that promise very rapid capital growth. Naturally, the risks of such investments are high. Therefore, investors are not advised to invest all their money in strategies and traders that have an aggressive trading method. Risky investments, of course. They may be present in your portfolio, but their share should be small, and possible losses should be covered by income from reliable instruments.
People who pursue the goal of getting rich quickly and easily, in 99% of cases “quickly and easily” lose their capital. Choose investment products offered by serious companies. Check the effectiveness of strategies, managing traders, auto trading systems, etc. Do not rush to immediately invest more than the required minimum. Invest serious capital only in those products that you have been able to test in the process of long-term cooperation.
Why do you need the MasterForex-V Academy rating?
The winner in the nomination will be the broker who by the end of the year has gained greatest number points (the sum of points received from the experts of the MasterForex-V Academy and the votes of ordinary Forex market participants minus the “against” votes).
To take part in the voting, just register on the MasterForex-V Academy website and click on the corresponding button in the rating table. From one IP address you can only cast one vote for or against each broker. Accordingly, each vote adds or subtracts one point.
MasterForex-V Academy encourages voting participants to take a responsible approach to their choice. Vote only for (or against) those companies whose proposals you understand. It largely depends on you which of the nominees will become the winner of the rating of the best investment products of 2017.
MasterForex-V Academy ratings allow you to determine the leaders of the Forex market by certain parameters. For many traders and investors, they have already become a reputable platform for the right choice a brokerage company in which you can effectively and safely place capital.
How to check correctly investment company? What does the rating of the most reliable investment companies in Moscow look like? What features does an international investment company have?
Hello to the readers of the HeatherBeaver online magazine! Denis Kuderin, an investment expert, is with you.
Let's continue the topic profitable investments. A question that will be discussed in detail in new article– how to choose an investment company.
The material will be useful to both novice investors and those who already have some experience in financial investments.
So, let's begin!
1. What is an investment company and what does it do?
Remember the main tenet of business - “money must work”? So, profitable investing is the most accessible and at the same time the most effective method make finances work for you.
Money that is kept “in a stocking” is lost money. Even within a month, their real value decreases by several percent, and over the course of a year, the rate of inflation often reaches 10-12%.
Example
According to Rosstat (the main statistics department in Russia), in 2015 the inflation rate in the Russian Federation was 12.9%. And the cost of essential products increased by 15-17%.
Conclusion: capital should be invested in profitable investment instruments. Smart investments create passive income– not only professional businessmen, but also all reasonable people ultimately strive for this type of income.
4. Rating of TOP-7 investment companies in Moscow
To make it easier for our readers to navigate the boundless financial ocean, we have compiled our own rating of investment companies for them.
The offices of the organizations presented below are located in Moscow, but this does not mean that residents of other cities cannot use the services of these companies.
Thanks to the Internet and the use of modern payment systems, you can make deposits from anywhere in Russia, as well as withdraw them to your accounts.
So, TOP 7 main players in the Russian financial market.
1) TeleTrade
A group of companies focused on various investment areas. Investor money is managed by professional analysts, traders and brokers, making long-term and short-term deposits in stocks, Forex market, futures, precious metals.
Among the advantages are 20 years of successful work in the investment market, training programs for clients (video lessons and traditional training), information support for investors.
2) Simex
– investment platform, focused on online deposits. Not only residents of the Russian Federation, but also citizens of other countries can become investors. Big choice investment projects– investments in shares, existing businesses and promising startups.
The list of advantages of the company includes: minimum size initial investments, the ability to invest “in two clicks”, earnings through an affiliate program with zero initial capital. Users can sell their shares to other participants.
3)
The company was founded in 1994. It has membership in the National Stock Association, provides users with trading and brokerage services, as well as annual and current financial reports.
Clients have access to a unique Russian market service – individual investment accounts. There is also the possibility of buying/selling shares to individuals on the over-the-counter market.
- profitable investments into developing sectors of the Russian economy. Cooperation with legal entities and individuals, consultations with investors, constant search for promising investment areas.
A course towards stable income for investors and direct participation in improvement economic situation in Russia. Full responsibility for development and implementation financial strategies investors, insurance assistance to improve customer safety.
A diversified investment company operating since 1992. Included in the TOP-6 largest organizations in the Russian Federation in terms of attracted capital. Winner of the Russian “Financial Olympus” award.
The list of investment products is extensive - brokerage services, online trading, trust management capital, trading in foreign exchange markets, venture investments, financial consulting.
– the company is part of the investment and construction holding E3 Group, founded in 2009. The main profile is real estate investment. Heading for long-term deposits(due to the specifics of the investment instrument).
Among the advantages of the company are the opportunity to start with a small (for the real estate market) amount (from 100,000 rubles), three types of insurance for each deposit, and collective investments.
7) Golden Hills
Professional management and increase of private capital. Guarantee of 15% per annum with minimal risks for the investor. A new look at profitable investing and a new approach to financial management.
The company adopts the experience of Western investment companies and uses it on the Russian market. The list of areas for deposits includes stocks, bonds, gold, real estate, art, and direct investments.
For clarity, let us present the main characteristics of investment companies in the form of a table:
| № | Companies | Estimated profit | Features of working with deposits |
| 1 | Teletrade | Not fixed | Possibility of Forex trading through intermediaries |
| 2 | Simex | From 24% | Focus on modern online technologies |
| 3 | From 20% | Individual investment accounts for investors | |
| 4 | Depends on the size and type of deposit | Focus on investment in the Russian economy | |
| 5 | Depends on the choice of investment product | Large list of investment areas | |
| 6 | 25%-45% | Investments in liquid real estate | |
| 7 | From 15% | Deposits in the Russian Federation and abroad |
5. How to check an investment company - 5 signs that you are collaborating with scammers
In times of crisis, investors' risks increase. It's not just about economic instability, but also about the increase in the number of different types of scammers.
Many swindlers are eager to cash in on the trust of investors and invest their money not in profitable projects, but in their own pockets.
To protect your savings, act with extreme caution. There are signs by which one can easily distinguish dishonest “merchants” from bona fide participants in the financial market.
Sign 1. Lack of open financial statements and other constituent documents
About certificates, licenses and other documentation, without which the existence of an official legal entity, already mentioned above. I will add that self-respecting organizations are always ready to provide users with financial reports for the past and current periods.
If a company claims to have a department of traders who make money for investors in the foreign exchange/stock markets, it is required to present trading reports and trader certificates upon request.
Sign 2. No agreement was concluded between the investor and the company
Relations formalized in the form of a formal agreement are the basis for security and long-term mutually beneficial partnership.
Often on websites it is suggested to simply fill out an offer - check the box electronic document. More reputable companies enter into real contracts with signatures and seals. Such a document, whatever one may say, inspires more confidence.
Sign 3. There is no photo of management on the company website
Without a photo of the director or members of the board of directors, the company’s website looks somehow incomplete, as if it is hiding something.