Investing for beginners. How to start investing a newcomer? Investing for beginners - where to start, types of investment Training investment from scratch

I am often asked where to invest money and how to start investing correctly. Therefore, I decided to create a universal investment instruction, familiarized with which, anyone could start investing and implementing its financial goals. You have a unique step-by-step algorithm that will allow you to avoid costly errors in investing.

Undoubtedly, each person has its own unique situation, but the general principles that must be guided during investment will be equally useful in all cases.

To start investing correctly, you will have to go 8 mandatory steps, none of which cannot be missed or "jump over".

Step 1. We appreciate the current financial condition and put your personal finance in order.

• Determine and write down your income in numbers - sources of income, their regularity and stability, size in the currency of income.
• Distribute your expenses on enlarged articles and categories: regular, irregular, one-time.
  Remember what assets you have - everything you own (apartment, car, cottage, deposits in banks, securities, business, insurance, etc.) and how much they cost.
• Indicate how many profits bring you every asset every year, and what is its profitability in% of the cost. It is likely that most of your assets will be uncomplicated, or generally bringing only additional costs. At this stage, this is normal, do not be afraid.
• Remember what you have liabilities - mortgage, loans and other debts, commitments to pay insurance premiums and taxes. Write down the amount of the costs that you carry on your obligations every year, and what is their interest value to the amount of debt.
• Calculate how much your income is exceeding your expenses - so you will learn your "investment resource", as well as your assets more than your liabilities are your "pure capital." Normal is considered the value of the investment resource at least 10-20% of your income. If your investment potential turned out below 10% of income or generally negative - it is necessary to take additional measures to "financial rehabilitation" of your budget. In this you can help our specialists.

It is extremely important on this step to be honest with himself, do not try to make a situation, but fix everything as it is. It is very important! This is the foundation of your future financial plan. And create a good financial plan without a high-quality foundation, alas, will not work.

At the end of the first step, you should clearly understand how much money comes to you, where they are spent as long as you can live if the main source of income suddenly runs out and how much time you need to restore it.

Step 2. Create a Financial Reserve.

And states and banks and commercial enterprises create financial reserves to use them if necessary. It is also worth entering you. The financial reserve has not only practical, but also important psychological importance - it gives an unshakable sense of confidence! Just aware of the fact that you have money in case of small troubles already increases the level of psychological comfort in your life. Thus, the financial reserve is a very inexpensive and effective way to make your life less stress and more comfortable.

The practical importance of the financial reserve is the possibility of financing at its expense of your regular expenses, if the main source of income suddenly runs out, as well as coatings of small unforeseen expenses like repair of a car or dentist services.

Financial reserve is desirable to store in the currency in which your regular costs occur. To store a financial reserve, you can use any bank that meets the following criteria:

1. The Bank enters the deposit insurance system.
2. The Bank is included in the top 50 Russian banks in terms of assets. (Rating of banks is available on the website banki.ru. Or the bank is a subsidiary of another major international company (such as CityBank, Raiffeisen, Societe Generale, UniCredit, OTP Bank, Home Credit, etc.)
3. Choose such a bank to use which you will be convenient - conveniently located, with a convenient work schedule - so that you should not take the day off to get to the bank.

At the same time, it is recommended to open the current / cumulative or deposit account directly to accommodate funds. COMPULSORY Conditions:

1. The possibility of replenishment from comfortable amounts for you.
2. The possibility of partial removal of funds from an account without percent loss.
3. Monthly capitalization.
4. The interest rate at the same time is not a determining condition, but it should not be too large (compared to other suggestions) or the smallest.

Now replenish the financial reserve to the required size calculated by us.

Step 3. We indicate goals and objectives of investment.

You need to define and write:

• What do you want to do in this life, what you want to achieve, what experience to get, what assets you want to have, what a legacy and leave after yourself, etc.
• In what currency you are subsequently planning to spend funds to achieve your goals.
• Opposite each goal you must specify how much money in current prices is necessary for its implementation, and the target to which should be achieved.
• You also need to run goals for importance and priority. That is - if you do not have to get implemented everything, everything, that you would like to implement certainly, and what is "if possible."

Step 4. Determine your risk profile.

That is, we formulate and formalize what financial risks are you willing to go for the achievement of our financial goals, and what can be absolutely not acceptable for you to invest. For example, some people are ready to temporarily reduce the value of their assets by 30-50%, and for someone even 5% loss during the calendar year will be extremely non-confined in psychological plan.

You can determine your risk profile using or independently by passing a little testing.

Step 5. We develop an investment strategy.

• We determine the size and frequency of investment - at a time or regularly.
• What time is you personally ready to pay for your investment management.
• What risks are you willing to take on the investment process, and which is better to diversify or develop, i.e. to "sell" (currency, country, industry)?
• What types and types of assets you will use.
• We define "permissible boundaries" when choosing investment tools. For example, some people religious or personal beliefs do not allow to invest money in the company producing alcoholic, tobacco products and military goods. Others do not allow and thoughts on investments in the Russian economy at all. And for someone the opportunity to protect their assets from any encroachments by the state and third parties may be a decisive factor in the development of an investment strategy.
• We appreciate what taxes you have to pay in connection with the investment income and we calculate their minimization opportunities in advance.
• We prescribe investment decision-making algorithms - that is, for what conditions you will pay attention and take into account when making investment decisions, which actions you will do with that or another development of events.
• As regularly or in connection with what reasons you will review and make changes to your investment strategy.

Step 6. We carry out stress testing of our strategy according to the scheme "And what ... if ...?".

Ask yourself:

• What happens to my family and my investment plans, if you are fired, and I can not find a new job for a while?
• What happens to my investment plans if the neighbors flood me from above and will you need to do repairs in the apartment?
• And what happens to my investment plans, if I myself or another family member suddenly seriously sick?
• And if I die, what additional costs will arise from my family in connection with my funeral and where will they take money? Where, how and what will my family live after my death?
• What other negative factors can affect the implementation of my plans?

Following this stage, a protective investment strategy is produced, Which will not give up their investment plans under the influence of an unfavorable coating of the circumstances and the implementation of typical life risks. We can help you determine in advance what it is necessary to protect - health, life, property, and select suitable insurance products.

Step 7. We choose the investment method.

At this stage you need to decide:

• What companies to use?
• What way to make money?
• How will you receive your investment income?
• What exactly, who and how much will you pay at the same time? (Commissions, taxes)

Now you are ready to start the main thing - in fact investment. It remains only to form an investment portfolio and directly Start investing.

Step 8. We form the investment portfolio.

• We select specific investment tools in accordance with your investment strategy.
• Acquire selected assets.

After completing all 8 steps, you will have:

1. Clarity and order and personal finance.
2. Financial pillow for 3-6 months.
3. Safety and confidence in tomorrow.
4. Competently compiled investment portfolio.
5. A clear and understandable plan for further action, in accordance with which you will create and increase your capital.

Congratulations, now you know how to start investing correctly! You can pass the first steps yourself or at any stage. We will always be glad to help you. Add this page to the bookmarks not to lose valuable information. Start investing, and you will succeed!

Many personal financial management techniques recommend spending a certain percentage of investment income, that is, to force money to work. And not passively, as on the deposit in the bank, but with more risk and profitability.

Let's figure out what contribution to the bank and why investments in stock tools (securities, stocks and bonds) are much more profitable.

The bank takes money and invests them into assets. Most of the arrived from the turnover of money depositors, the bank takes himself. You get a fixed rate that often does not cover inflation. For example: inflation in 2015 amounted to 12.91%, and the most profitable deposits in different banks provide only 8.5-9% per annum.

If you are investing in stocks, the impact of inflation on your investments is not so significant because it affects the company's revenue and is taken into account when it is evaluating. Thus, if you buy stocks of reliable companies, inflation does not eat the percentage of the capital invested by you, as in the case of a bank deposit, simply because the company's assessment is given with amendment for inflation.

If you contribute to the bank, you get a fixed bet, allow, 9%. After you have issued a contribution, nothing depends on you. Inflation per year can be 10%, and maybe 15%, and you will receive only 9% per annum.

In addition, you can not withdraw money before the expiry of your contribution, without losing the accumulated interest. It remains to look at the growth of inflation and be content with the fact that for you it is slightly lower than for the rest due to the percentage of the contribution. In fact, the purchasing power of money falls, you lose them.

As for the shares, at the expense of business growth, changes in politics and other factors, they can not only overcome losses from inflation, but also bring significant income. In addition, you can sell them at any time if the forecasts are disappointing and save at least part of their money or even reinvest them into growing assets.

It turns out that investments, on the one hand, a more risky way to preserve and multiply your money, and on the other, on the contrary, more secure.

Here it all depends only on you, more precisely, from your knowledge, investor experience and ability to predict the situation in the securities market. Where to get this knowledge?

Training for those who appreciate their time

Not everyone will agree to visit the trading school. Tired at work, and then go to learn? Yes, and there is a lot of learning.

If you want to learn at home (maybe at work) at any convenient time, there is another option - "Investments 101". This is a free platform for online learning investments with a huge base of free information - courses of different complexity and tools for safe practice. Let us consider in more detail what the platform offers.

Individual training plan

After the mandatory registration, you fall to the main page. You can immediately begin classes - just open the tab "Learning", choose the courses you are interested in and passing them.

But in order not to bother too much information, it is better to create an individual curriculum before learning.

You respond a few questions about your level of preparation that are interested in the topics and the number of classes per week, and the site creates an individual plan with reminders (if you want) so that you receive only useful information and have not missed classes.

Now your main page displays only the courses you need, and two charts on the side show how much percent you have already studied and how much it remains.

Now let's talk about what is the "Investment 101" platform courses.

Courses and tests

On the "Investment 101" website, all courses are distributed from the degree of difficulty - 10 courses for beginners in the "Investment 100" package, 8 classes in the "Investment 200" package and 3 courses for advanced users in the "Investment 300" package.

Studying the "Investment 100" package, you will get acquainted with the basic concepts, the basics of investment and stock trading, special tools - QUIK and MetaTrader programs.

In the packages "Investments 200" and "Investments 300" presented more complex topics. Here you will learn about strategies and tools, technical analysis and risks, learn how to properly compile an investment portfolio and build a trading strategy.

All courses are distributed on topics and are presented in two formats - text and video. Choose how it is more convenient for you to learn. The text is divided into parts and supplemented with visual graphs for better assimilation of information.

After mastering the course, you pass the test to check your knowledge. The number of scored points is reflected on the main page and affects the amount of koins - a prize currency that allows you to pass courses for free.

For example, to go through courses from the "Investment 300" package, you need to accumulate a certain number of koins. Do not be scared, it is not embedded purchases, and the meter of your hard work.

Consistently passing all themes, you get prize koins, with which you can open the courses inaccessible while. Or you can skip a few topics, and in return to invite friends - for this, too, accrue the prize currency.

Another opportunity to pass closed courses is to activate the promotion.

Just enter the Superbroker promotion and receive 2,000 virtual rubles as a gift for the purchase of closed courses "Investments 101".

Thus, you will receive proven information for free and can immediately apply knowledge in practice, not risking your money. This will help you with the tool of the site "Investments 101" "Simulator".

Real Trade Simulator

For registration and confirmation of email you credit 500,000 virtual rubles with which you can start learning.

Below you see quotes. Next to the company name and type of shares are the last price indicating an increase or fall. You can buy any number of shares available on your virtual money, and then follow the price change, sell and buy new ones.

To the right you see the story of your account as a graph and you can quickly assess profit and losses.

You can also go to the card of any company presented in the "Simulator", read about it real facts and see the growth schedule and falling prices for stocks.

So, on the "Investment 101" website you get theoretical base and practical skills. And what's next? When you figure out the principles of the market and learn how to make a profit from your investment, you can easily go to real trading.

How to start a real account

The website "Investments 101" was prepared by the BCS Broker company - an experienced broker with a 21-year experience in financial markets. After passing training, you can online with this broker, moreover, it will take this no more than five minutes.

Learn and try

Contrary to the statements of many companies, investment is not so simple. It is impossible without knowledge and skills to start trading on the stock exchange and earn millions. Like any other thing, investment requires ownership of theory and information, as well as practical experience.

The website "Investments 101" helps to purchase the necessary knowledge base that will help avoid basic investment errors.

Therefore, do not miss classes, try your new knowledge in the "simulator" and approach this profitable investment.

More than 50% of people are absolutely financially without competent. Instead of postpone money, save and invest you take loans and take money ... And then complain that there is not enough money for anything. Want to live better - invest! What is investment? How to start investing from scratch? It is worth saying that this is a process in which the investment in assets brings income with time.

What is investment?

Investing is the direct opposite of loans and loans. If the loan drives you into slavery, then competent investment gives financial freedom. In your life, everything is rooted, if you start investing. We work out the habit of postpone and multiply money, and accustom to this your children. To begin with, discover the deposit in the bank and postpone 10% of your salary there. After a while, when you know that you have money in a bank and bring it small, but income, your self-esteem will increase significantly.

Many people are tormented by the question of how to become a successful investor. You definitely do not hear the unequivocal answer to it. Each person has different income, and therefore, different investment selection strategies. But all one main goal is to receive income. Select 25% of your savings and pack for yourself a suitable tool for investing, pre-determining liquidity and profitability. It is necessary to invest - this is a guarantee of your financial security!

Liquidity.

Liquidas are such assets that can be sold (or exchange for money) at any time. This is of course gold, silver, securities (stocks), immovable and movable property.

Yield.

The yield of all assets is different, but the worthful asset, the smaller the yield it usually brings. It all depends on your investment strategy and here there are only two options - either profitability (aggressiveness), or reliability (conservatism). Choose to you.

If you have a solid capital, the best investment is shares. Of course, the advantages of investing money in stocks (securities) a lot. But it is necessary to understand that this is a long-term investment. Quick income or profit waiting, not exactly. If it is easier to speak, then when acquiring shares you get your share in JSC.

You can use the services of a private financial consultant. Yes, it will cost money, but you can normally navigate in stock issues. Do not rush to take everything and immediately, acquire shares of companies with the same shares, waiting for the onset of high yield cycle. And you can also contact the investment dietary fund, in which the work at all will be done for you.

Investments in PAMM account. Is it profitable?

If you do not want to invest money in stock, then you can use PAMM accounts. What it is? First of all, this is the so-called trading account, which is running the trader. In particular, a bright example is a forex market. You can also call a similar system of attachment by trust. If you choose a good platform, you can count on income, and the control system does not allow you to use traders with your money, protecting investors from fraudsters.

When investing in PAMM accounts, you must not forget about diversification. It helps to achieve maximum efficiency. It is better to reduce risks to work simultaneously with several managers.
Many newbies begin to worry, fearing that they are simply deceived. However, it is not. Each broker who works seriously is obliged to have a fully transparent and public rating for its potential depositors. Such monitoring allows the investor to effectively and without threats to distribute its resources. Before work with the investor is a public offer, and profit is displayed, as a rule, once a month.

This is a more profitable investment than working with banks. Suppose the contribution to the standard bank brings an individual about ten percent per annual, and on PAMM-account, together with a talented trader, you can profit up to 120 percent.

Deposits in banks

Let's talk about such a familiar method of deposits, as deposits in banks (deposits), who are familiar to all Russians. Standard banking percent overlaps inflation in the country. The average percentage in our banks ranges from 6 to 10% per year. At this percent, we will not work much. However, the deposit in the bank must be kept necessarily, not so much for income, how much to sleep on the "black day" (reserve).

We choose the optimal investment method

Any contributor independently chooses an investment portfolio and revenue tools for it. We have already talked about buying shares, talked about PAMM-accounts. But you can still invest in profitable business ideas or startups. It also happens that the organization of their own business requires a lot of strength and time, which is simply not enough. Therefore, it is possible to become an investor with the allocation of a mandatory share at high yield.

The old and proven method of producing profit is to invest money in real estate. Of course, if you have such serious means. Even taken in the mortgage apartment pays off at a certain time, if you rent it. Many simply buy housing and rent it or make money on earnings, which is based on the price difference when resale objects.

Investor errors

The maximum benefit in the investment is built on the minimum number of errors allowed by the investor. Do not buy any shares or trust the management of your PAMM account to the first trader. Most often, the beginners simply lack the starting capital and investment experience, so it is better to die, but do not give the last and gain experience.

Never strive for huge amounts. In the first stages you simply do not get them. The minimum risks at relatively reliable yield are about 12-15% per annum. And this should be comparable to the interest rate on deposits in banks. Especially difficult is to understand trading. Indeed, trade on the stock exchange seems for the beginner something alien and incomprehensible. Without experience, you can merge a deposit very quickly. Therefore, carefully study any information, the benefit is always available on the Internet. And try to invest exclusively, albeit in small quantities. You do not need to use loans or consumer loans for investing, as the risks will be with any scenario.

How to become an investor? Theoretically, putting 1,000 rubles for a bank deposit, you automatically become an investor. After all, who is the investor? This is a man who invests money in order to receive income. But not everything is so simple at first glance. To become a real investor, you need to have capital capable of bringing a tangible income to its owner, capable of covering the monthly needs of a person and ideally to significantly exceed them.

And in order to achieve this, you need to adhere to a certain number of rules.

FirstlyYou need to find money that you will invest. Where to take them? The easiest way is the monthly allocation of a certain percentage of your income. It can be 10%, 20 or 30%. But minimum is 10%. The more money you will invest, the faster your capital will grow.

And if the money is so lacking for life itself? What to talk about the allocation of money for investment. Try it and (or). Sometimes this happens enough to appear "extra" money. In fact, a lot of enough and anyone can allocate a certain amount monthly, regardless of its income.

Second, This is the frequency of investment. You must do this from month to month, from year to year. Such financial discipline will allow us to grow capital at times faster than investors investing money from time to time. All right! The more money is invested, the greater income they generate. The basis is when the money is growing like a snowball.

Third, it is. According to him, the sooner you begin to invest, even more high indicators you will achieve. 10 thousand invested today have a much higher value than 10 thousand invested in a year.

If you invest 100 thousand today at 12% per annum, then by the end of the term the total amount of your capital will be 310,000 rubles.

And if you add the same amount only a year later (for 9 years), then your financial result will be 270,000.

The difference in income is 40 thousand. In longer periods, the difference will be even significant. So for 15 years - the difference will be 70 thousand, with 20 years of investment - as much as 100,000 rubles.

It turns out, the year of downtime will cost you 100,000 rubles. There is a reason to think.

But a much more tangible difference in different terms is obtained, provided that monthly investments. The year of downtime will cost even more.

If you invest 10 thousand monthly, with a yield of 12% per annum. The amount after 10 years will be already 2 million 400 thousand rubles.

But if you missed one year (and accordingly made 120 thousand less), your final amount for 9 years - 2 million rubles. The difference is almost 300 thousand.

The year of inaction cost you 300 thousand rubles.

For 15 years, the year of inaction will cost you - 700 thousand, for 20 years - 1.1 million rubles.

Further, choose financial investment tools. Their huge quantity, from simple to complex. The purpose of the investor, competently (protect) its investment portfolio, including a variety of tools with different levels of profitability and risk. What to include in it and in what proportion each decides for yourself.

How to start investing from scratch so that in the future to receive a stable income - this question is worried about many people. No wonder investment is considered a passive option for earning, requiring minimal labor and time costs. Economists agree that this is a great contribution to their own material well-being.

Myths about the investment process

Most people believe that investing implies the presence of multi-million capital and engage in this only world-famous corporations.
Hence a number of myths without a logical justification:

• Need a lot of money. But to invest in the purchase of currency, just a couple of thousand rubles is enough, which will allow us to collect good interest after a short time interval;
• You will need experience in business and special skills. In part, this is how to work with high-roof instruments. To make bank deposits, special knowledge is not needed. Reasonableness, logic and patience;
• All transactions have an increased risk. There is a share of truth in this, so it is important to choose such an attachment option where the risks are minimal.
• Investing is a profitable and interesting way of earning, accessible to everyone. Let's talk about how to start investing from scratch to achieve the goal.

What is investment and what they happen

The attachment object is:

Tip! The newcomers in the sphere should not work with high-root (aggressive) investments: financial pyramids and highups. Haip - from High Yield Investment Program - a tool capable of bringing a high income that is characterized by increased risks.

Step-by-step guide to investment for beginner

Algorithm of actions How to start investing from scratch , standard.

• At the initial stage, a person will need assess the available assets and their sum. All income must be divided into articles, placing each depending on the stability and regularity of income. Similarly, comes with monthly costs of expenses.
• Further the investment resource is determined - The difference between these two parameters. The difference must be above 20%, i.e. It is for so many incomes exceed the costs. No need to kinder valid, howled income figures.
• At this stage, a small reserve is created - the financial cushion in case of an unexpected situation.
  Her key features:
  Practical. If the income decreases or investing does not bring the desired effect, the reserve will allow spending spending for a certain period until the situation is restored;
  Psychological. Reduces stress level and will allow a person to invest comfortable.
• It's time to develop investment strategy Selecting the optimal tool in terms of risks and profitability.

  Tip! Some investors can lose up to 40% of capital, other even losses in the amount of 10% will be critical. Therefore, you need to think in advance which tools in your case are unacceptable.

• Now you need to determine method of investments and form an investment portfolio. A person decides, as in which company to invest, indicates ways to make payments and removal options earned. The presence of a clear action plan will dismantle in finance, protect against risks and troubles, which will make the investment process easier. This is what you need to start when investing from scratch.

Investment options for beginners

Based on the analysis of the activities of investors with experience, there is a rating of investment tools that are suitable for beginners.

1. Deposits in the Bank
   The tool is accessible and safe due to the fact that many banks participate in the deposit insurance system. This means that in the bankruptcy of the organization, the state will return to 1.4 million rubles to the depositor. To find a suitable bank, it is necessary to evaluate its reliability and convenience. The presence of a personal cabinet is already a good sign, thanks to this you can track favorable programs, changes in bets and be aware of news.
   Minus such an investment - Low rates, so that the profit has been leveled by inflation in the country. The contributions are better to consider in the long term: to postpone funds retirement or by deposits gradually collect on the purchase of housing.
2. Securities
   The method requiring at least minimal knowledge and understanding of the economy. Promotions, bills, bonds, etc., are actuated in the role of securities, etc. The choice of tool must be suspended, if necessary, it is better to entrust it with professional players in the market. Brokers will help who for the commission take the capital of the young investor in management.
   To guarantee the amount of profit with such investments is problematic, 100% guarantees of the return of funds are not. But if the shares are still today an unknown enterprise tomorrow "shots", after a few years the profit can reach 200% and higher from the nested amount.
3. Buying a property
   
   Due to the fact that there is always a demand for housing, this investment option is popular. The main difficulty here is in the selection of a suitable region and the type of real estate, and the dependence of the price of an object from the economic situation in the country.
   This option is suitable for newcomers that invest from scratch, because you can get income:
   Passive wayAfter renting accommodation for rent. This requires specialized knowledge;
   Active way, implementing square meters. It is necessary to do it as soon as the price begins steadily crawling up.
   To buy cheaper and sell more expensive, investors are invested at the stage of fillings of the foundation (even before putting the house in operation), when the price of a square meter is kopeck. Or acquire real estate in non-residential condition, realizing more expensive after repair. This option will allow us to recoup the cost of bringing the object into an attractive view.
4. Investments in valuable metals
   The most ancient type of investment. The acquisition of ingots of precious metals in reliability can be compared with bank deposits. When the price for real estate jumps, gold bars are only more expensive.
   For example, gold over the past 10 years has grown in the cost of 6 times. This is due to the fact that the most expensive metals in the world are limited, and ingots are stored with decades, without losing an attractive appearance and without being corrosion. This tool is highly killed - in any situation it can be quickly converted to money, which makes attachments to gold and precious metals with the optimal option for those who want to start investing from scratch.
   
   Investment options:
   Buy shares of gold mining company;
   Acquire ingots directly;
   Open a metal account (deposit) in a bank.
   The last option will give the opportunity to receive stable interest in any currency. The reliability of the method is high, especially if you make metal deposits in banks, where customer deposits are insured.
5. Investment in mutual investment
   The PIF disposes of the funds of depositors, which they transmit to control, doing everything to make a profit. So the attachment can be in any commercial projects or real estate.
   From the positive moments of the method allocate:
   FIF employees - experienced investors;
   Each physical can be accumulated, the relations of the parties are governed by the official treaty;
   Control over the activities of the funds leads the state.
   The contract is prescribed the term, after which the profit of the FIF will be divided between depositors in proportion to the amount of their contribution. Fund yield persists at a level of 30-50%, which is significantly higher than interest on deposits. Minus method in that The Fund manager needs to pay a fixed amount of the Commission, and there is always a risk that the fund will not receive a profit as a result of activities at all.

Difficulties in how to start investing from scratch, no, if you adhere to the action algorithm described in the article.

Finally, we have prepared a few simple recommendations that will help multiply Capital:

• Remember the rule of diversification and distribute assets. If you use multiple projects for attachment, the risk is burned below, because the profit from others will cover possible losses;
• Start with simple and invest small amounts. This will allow less risks, thereby receiving free time for self-development and market study;
• Be persistent and consistent. It does not matter what amount in your pocket is now, you can always accumulate a little and invest. Sooner or later, this approach will show the results.

Warren Buffett, one of the richest people in the world and the second in the size of the capital of the US resident of the United States, says that even the most ordinary person is able to lend a state if it clearly set the goal and will confidently go to her despite the obstacles. Dare!

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