Investing where to start?

Investing - an exciting and profitable trade financially literate people. Undoubtedly, sophisticated investors like Buffett Uorena many of us, alas, not destined to become. Yet, to achieve certain results in this area and everyone can. Or at least try.
So, where should you start?

The first phase

The first napervo need to revise its own budget and determine whether it will free funds for investment, or vice versa, he may be full of debt and unnecessary costs.
If such funds are - what excellent, move on.

The second phase

At this stage it is necessary to understand whether you are prepared (both financially and psychologically!) Systematically put money on the investment, to understand whether all of the data of the risk? What are the sources of income you have for this? How to affect investment activity in the overall picture of your life? We need to bear in mind that if it was a long and profitable investment, the situation can be very unpredictable. You can earn, you can not earn, but you can lose ...

Third stage

Definition of investment objectives. We need to find out for yourself, for what purpose will be to accumulate assets - for the purchase of housing, car, carefree old age security, education of children ...
The investment objective must have a numeral (money) the expression, taking into account, of course, the factor of inflation, reduce the cost / cost, the target object (goal), etc.
How much money you need to achieve a given goal? By what date they need you?

Fourth stage

Collection of additional information. First, it should be articles about investing. General information - terms, concepts, mechanisms, strategies. All unexplained details and nuances, you can ask people - visiting, for example, one of the forums on this topic. Look under the forum heading on beginners investing activities, and other sections of interest to you. Tie a familiarity with user forums. If possible, read one or two benefits or a book. Visit some popular Internet resources on this topic, collect a sufficient amount of information written in accessible and understandable language. Subscribe to relevant Internet mailing ... But the main thing - do not be afraid to seem inexperienced. After all, every one of us was appropriately trained, before becoming a specialist.

The fifth stage - refining the investment strategy. Now it is necessary to determine the direction of investment suits you? What degree of risk is acceptable for you personally? Are you ready to take risks gonyayas for high interest returns, or to start taste safer methods of investing? Choose the PIF, OFBU or start with a bank? What is the tool of investment, of those that you learned at the fifth stage, is most suitable for you? What do you know about the level of risk and return, what are the main indicators have for him?

Naturally, at the primary level is to give preference to less risky investments in favor of the bank deposit program, or at least credible credit unions.
In the meantime, please continue to collect information.

Ask for the beginning, the principles and features of work:
- Mutual funds (PIF) of all kinds and types of
- General funds of the Banking (OFBU)
- «Gold Deposits» - depersonalized metal accounts (CBO) - This year promises to be the most profitable investment
- Asset Management (DM) - the organizations providing services to manage funds entrusted to them for profit.
- Credit Unions (COP) and other organizations working with the funds of depositors.

If the services of a company providing management services in cash like you - do not hesitate to inquire about the interest you products and services. Do not forget, you trust them with their money. Maybe in the early stage and small, but all the same money. Make sure you know all about this company - how it invests, where and how much, what are its assets, duration of ...

Companies offering high interest rates, initially to be the subject of your fears. Do not forget the bitter experience «MMM», and such financial pyramids. First, pay attention to companies and organizations operating in the investment market is a long time and won by a trust.

Do not start with large amounts - it must be remembered that virtually all investments have risks, and risk as soon heavily - a dangerous occupation. Therefore, start with small, at least initially. Live the life of the investor, learn about the major pitfalls, then go with the serious action and the amount.

Thus, the stage for the stage, any of us can, with a corresponding desire to achieve certain results in the field of investment. What exactly - it is dependent specifically on each of us.
Efficiency, success and harmony to all!