Which area to invest idle money in to make profit is always a concern of many people, especially individual investors. Experts advise that investors should be sober in choosing low-risk, safe channels and absolutely not put all their money into one investment channel.
What is idle money investment?
Investing idle money means buying a certain type of asset when you have a surplus of money that has not been used for any purpose. That investment will generate profits and increase in value in the future. Some popular forms of investing idle money today include: Buying gold, buying stocks, buying real estate, opening a company, opening a store, buying open-end fund certificates, etc. However, the process of investing idle money in the above channels often requires a long-term and is somewhat riskier than saving money in a bank. However, if successful, it can bring relatively large profits to the investor.
What to do with idle money?
There are many forms of investment for customers to choose when they have idle money that they do not need to use. And to make it easier for customers to make a choice, below are the advantages and disadvantages of each form of idle money investment.
Savings
This is one of the most popular forms of profit. All banks today focus on capital mobilization channels with many terms and types of savings to meet customer needs.
This is the safest and most popular choice for idle money. That is, it is suitable for young investors entering the profession because of its safety and certainty.
However, the interest rate on savings is unstable and fluctuates over time. Inflation is a factor that directly affects the interest rate on savings. Compared to other investment channels, savings generate less profit.
Buy gold, USD
Buying gold is also a popular channel for investing idle money, chosen by many people. However, this investment method can potentially contain many unpredictable risks. There is a large difference between domestic and international gold prices.
Buying gold is also an effective and popular channel for investing idle money today. It is also chosen by many people. Because investing in gold is a safe way to keep assets. Gold does not depreciate like paper money. Besides, the supply of gold is also limited, so the price of gold is always stable, even increasing with little tendency to decrease.
In addition to the above advantages, gold investment still has potential risks such as gold prices are easily volatile according to supply, market demand as well as adjustment policies. Moreover, the domestic gold price of Vietnam is quite different from the world gold price. Therefore, if you want to invest in gold, investors must have a really solid source of capital. Although gold investment is low risk and does not require much knowledge, in order for your cash flow to really grow thanks to this investment channel, you need to monitor, research, as well as have a sharp view of the market situation to be able to earn expected profits.
Real Estate Investment
Real estate investment is also an option that you should consider besides saving and buying gold. In Vietnam, you can choose the types of real estate investment in: land, apartments, townhouses, resort real estate, cemetery parks, Shophouse and Officetel, rental rooms, ...
In recent years, the real estate market in cities or in economic centers and key economic zones is heating up. Along with that, the demand for buying houses for housing of people is increasing. Investing in real estate is the most effective way to invest idle money today. This is a long-term and quite safe form of investing idle money. Real estate is considered an effective form of investment because of its long-term profitability because land is a form of material that exists forever, different from other types of products. Not only that, the development and expansion of tourism means the development of infrastructure from transportation to residential and resort real estate, so more and more types of valuable resort real estate are born. This form of investment creates favorable conditions for investors with large capital sources through FDI, remittances, etc. In addition, banks always create conditions for customers to borrow to buy real estate with low interest rates and many attractive incentives.
Investing in real estate requires a long time to complete the necessary transaction procedures. Therefore, this requires investors to have a solid source of capital. At the same time, the procedures and documents related to the law are very cumbersome and difficult to understand, so investors must be very careful, meticulous but agile in this field. If you are a new investor entering the market, let AHS Property consultants help you find the product with the best value.
Invest idle money in stocks
This is also considered the most beneficial method of investing idle money for business investors. Specifically, when participating in stock investment properly, investors will receive interest rates 2-3 times higher than the amount of savings deposited in the bank. This is the simplest, most flexible form of investment and does not require high investment capital, simple, easy and fast transactions. Anyone can participate and easily make transactions.
Low profitability, high risk. Regularly update financial knowledge and market situation to invest at the right time. Stocks can increase artificially leading to sudden increases and decreases. Insider trading affects stock prices on the market.
Open-end investment fund
It can be understood that an open-end investment fund is a product that brings together large and small investors to create an investment fund in different assets. Open-end investment funds can invest in stocks, bonds, deposits or invest in many types of assets at the same time.
In short, if you have a certain amount of idle money, start thinking about how to save or use it. From the above suggestions, AHS hopes you can make the right choice.
AHS Real Estate Joint Stock Company is proud to be a distributor of quality real estate products, with a team of professional sales experts, dedicated to consulting AHS to bring you valuable real estate products. best treatment. You can feel completely secure when trading real estate products through AHS Real Estate Joint Stock Company.
If you are interested in the real estate sector, please contact AHS immediately for advice and answers to questions, and together to develop a strategy to invest properly to generate high-value profits.
