By adulthood, a person usually accumulates a lot of life and professional experience. But over the years, there is only less strength, and more diseases, so life on the threshold of retirement age becomes more expensive and more complicated. In order for old age to turn into a period when you can relax and enjoy the peace, you need to take care of it in advance.
Instruction manual
1
Open a deposit in the bank and take 10% of your income there. At first glance, the amount may seem small, but in a few years the income can become quite tangible. By putting money on a deposit, you can protect your money from inflation. Be sure to monitor new offers - so you can find the interest rate that suits you best.
2
Invest in gold, silver or palladium. At the same time, you can either buy ingots, or simply open an anonymized metal account. If you choose the first option, keep in mind: in the future, if you decide to sell precious metals, a tax of 18% will be deducted from you. In this regard, just the accounts are convenient: you can always depersonalize them, and besides this, they are convenient to replenish and you will not have to pay taxes from them.
3
One of the ways to accumulate and increase money is mutual funds (mutual investment funds). A mutual fund is a collective financial instrument by which funds raised 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.
4
Another tool for accumulating money is investing the funded part of a pension in a non-state pension fund. The profitability of your retirement savings in this case is much higher than if they remained in the state pension fund. In addition, you can replenish your account with personal savings.
5
Buy investment coins. Many banks offer this method of investing money. You can buy coins of gold and silver, and when you need money - sell the coins to the bank back. This method has its drawbacks: it is important to store the coins correctly, otherwise even a small scratch or scuff will cost you 50% of the cost.
6
Invest in stocks. Stocks are more likely a long-term investment. However, pay attention to the fact that stock prices are subject to great fluctuations, which means you are always at risk. To buy shares, you need to open a brokerage account in any organization that provides brokerage services. You will have to pay a commission for maintaining the account.
