Today’s mothers are not only those who know how to take care of their assets, carefully spend money for their families, but also know how to make money flow. Having at hand suitable passive investment income channels helps mothers to accumulate assets effectively for their families.
Types of financial investments suitable for nursing mothers, nursing mothers and women in general: passbooks, gold, dollars, forex, cryptocurrencies, real estate, mutual funds , bonds, stocks, etc. in order to be able to increase the value of that money, increase the value of the initial capital, find the optimal profit.
Although these types of investments can quickly help diaper mothers easily make a profit, increasing the value of their initial capital, it always comes with risks and makes it possible for diaper mothers to fall into the trap. bankruptcy at any time if not calculated carefully. Therefore, before deciding to participate in any form of investment, mothers also need to learn carefully about the current development of the investment market, whether it is appropriate to invest at this time and not. is not suitable for you to avoid or minimize the risks!
Financial Investment Academy Let’s take a look at what forms of financial investment are popular today:
The passbook is simply understood as a book to keep money at the bank, which is the basis for proving the amount of money that the mothers have deposited at the bank, the applicable interest rate and the amount of interest that the diaper mothers are entitled to. Saving money in banks is a reliable and low-risk traditional investment channel because it is guaranteed by the State Bank.
Those who are knowledgeable about economics also believe that banks are “friends” of women in saving savings because of their safety, efficiency and convenience. Especially with the explosion of e-banking services in recent years and attractive promotions for savings with compound interest, online savings attracts a lot of women to save money. Although bank interest rates are currently considered to be stable, there will be times like the end of the year when banks are more “favorable”: preferential interest rates and gifts to attract customers.
This is a relatively safe form of savings investment: Flexible capital, low risk, can be divided into different amounts, different values and deposited at different maturities to maximize profits. profit. However, the rate of return from this form of investment is not high, the profit margin only ranges from 4-8%/year. Besides, the average inflation rate is 3.1%, the currency is becoming more and more depreciated as it is today, the rate of interest you receive is extremely low, which can be considered as a place to store money. safe but not very profitable. Besides, according to the deposit insurance law, if the credit institution goes bankrupt, the saver will receive a maximum insurance amount of 75 million The contract includes both principal and interest, showing that this form is also risky.
In fact, banks are also the preferred channel for keeping money of Vietnamese people. The Nielsen Consumer Confidence Index report released in mid-2017 also shows that savings continue to be an indispensable part of consumers in Southeast Asia, of which Vietnam is still in the top 63% of respondents put idle money into savings. Mothers who are afraid of risks often choose the savings channel, which is still their favorite channel.
2.Invest in Gold
Many Vietnamese families, when they have a bit of money in hand, often think of investing in buying gold to save when the price of gold rises, then selling it for a profit. Gold investment: Flexible capital, low interest rate, low risk, time to invest in business, which shows that the gold investment model is still an investment channel worth considering. This is a fairly safe form of savings investment and is often seen in mothers who have little capital, are afraid of risk or have not found an appropriate investment channel.
When gradually accumulating and saving gold, mothers will also accumulate a significant amount within a few years or so when selling. Having money that you don’t use to buy for long-term storage seems to be fine. But if you want to make a quick profit on speculation, you must be careful and follow closely about this market, because the price of gold often fluctuates very erratic, it’s normal to be high today – low tomorrow, so moms please be careful. Tracking the gold price and updating the political economy is essential to make timely buying and selling decisions to maximize profits.
3.Invest in Stocks
It is a form of capital investment to buy securities currently circulating on the market, just like how mothers are indirectly investing in a certain business, but instead of investing money directly in that company, you will invest through buying securities of that business, then wait for the price to rise, then sell it to make a profit from the price difference.
This form of finance is quite flexible, does not need to have too much capital, even if they only have 2-3 million dong in hand, diaper mothers can also participate in this form of investment.
Despite the high profitability in a short time, there is no constraint on the amount of capital involved, but the profit from the form of securities investment also depends on the business status of that enterprise, if that enterprise If the business is weak, or loses, the number of shares that the mothers have will almost lose their value and soon the mothers will have to face two empty hands.
Therefore, if you are intending to participate in this form of investment, you need to find out carefully how the stock market fluctuates today and in addition, you also need to find out about the operating status of the company. companies and businesses that you can invest in.
It is often said that women are afraid of risks, but when they are “in the silver screen”, they are “blood drunk” more than any other man. As for the stock market – where the exciting arena is very “brain balance”, one also sees many women reveling in hot stocks and investments such as gambling. However, that number only accounts for 1%. A woman’s nature is always cautious, especially when pouring money into stocks.
Foreign exchange investment can be understood as moms participating in buying, selling or exchanging different currency pairs on the market, in which the higher the amount of money traded, the higher the liquidity and easier it is to earn. Big profits for investors, the initial capital involved is too high, just from about 100-200 USD, diaper mothers can participate in this form of investment already.
Because forex operates continuously 24/5, and only exchanges through the network, not to a transaction center or a certain counter. So, as long as the place has an internet connection, the moms can fully conduct forex trading like millions of other traders.
However, along with high profits, the risks that this type of business bring are also relatively large. Therefore, before deciding to participate in this form of investment, mothers need to have a certain amount of knowledge along with the consultation of people who have experience in this field before, forex investment is not for investors. investors lack knowledge and qualifications. Especially if you don’t know how to manage your capital as well as your emotions, with an extremely liquid market, with a trading volume of nearly $660 billion per day, it can make your money evaporate in just a few minutes. blink.
Recently, there has been a situation of calling for foreign exchange investment through the Forex floor (trading gold, silver, foreign exchange…). Brokers confirm that this is a leisurely investment channel with great potential with huge profits. However, in reality, it is not like the winged offers. Investing in forex online is not easy. “In fact, up to 99% of investors lose money due to constantly changing exchange rates. Sometimes, as soon as I saw an increase, I wanted to take profits but did not have time to place orders, the exchange rate changed direction and plummeted. Not to mention, a lot of scam exchanges can put their hands into changing orders to increase or decrease at any time, causing investors to have their accounts wiped out without even knowing it.” Currently, tricks and scams labeled with 4.0 technology have morphed in many different and countless forms.
An investment fund is a form of allowing mothers to entrust capital to people they trust to manage their money to invest in securities. This can be called a form of investment exclusively for investors who do not have in-depth knowledge or do not have time to follow up on financial issues or stock market issues but still want to find a good investment solution. For a safe and convenient long-term investment channel, the investment fund is the ideal choice, which can entrust capital to the investment fund through the purchase of fund certificates.
This form basically means that the mothers only need to contribute capital to the fund, and the decision on where to invest or how to invest will be handled by the expert teams of that fund. Diaper mothers will receive interest if the investment is profitable and only take a certain fee for the financial investment fund.
One point to note is that investment funds often specify a time to participate, so it is necessary to consider finances to avoid giving up the game in the middle of the road. Because if you finish earlier than planned, you will not only not be able to pay the full investment, but sometimes you will be fined or have to pay a few additional costs incurred by the regulated funds.
However, in nearly 50 fund management companies in the country today, the number of effective companies can only count on one finger. Looking at the current fund management companies, perhaps the number of companies is enough to create confidence for investors to choose to deposit gold for fear that it is not much if not too little. As such, if it continues to operate in such a “halfway” state, as long as the fund management company can focus on expertise and development, it will be able to effectively support investors. .
6.Invest Cryptocurrency – Cryptocurrencies:
This form has helped many investors earn billions of billions in just one night at the end of 2017 and early 2018. But then, “the return of heaven and earth” made many people divide 5, divide 10, miserable because Bitcoin said general and cryptocurrencies in particular for not understanding how this new market works. This is inherently an extremely volatile, and pricey form. It is a potential form of investment, but when to invest, how to invest, not everyone can do it. Therefore, mothers need to be equipped with good knowledge, besides find a mentor who has knowledge and has successfully fought to study with higher price volatility than other markets, so crypto real opportunity to get rich.
Real financial investment will bring opportunities to many individuals. Of course, profits will always come with risks, it’s the mother’s job to always be alert to avoid. Always cultivate knowledge, that is the most solid “armor” to help mothers overcome all pitfalls when participating in financial investments. Hopefully, after this article, you will be able to choose the most suitable form of investment for yourself. Good luck moms!