Listen to the wise advice of experienced investors.

First, the choice of investment strategy will depend on your financial capabilities. If you have accumulated several hundred thousand dollars, it is better to entrust the management of money in Switzerland, the Baltic or the Austrian bankers. They pick up the option of investing and diversify risks better than any newcomer.

And if your capital does not exceed $ 100 thousand (or less), then go to foreign markets will have their own. But for this you need to learn foreign market shares and use the services of online brokers.


A small beginning of the big cases

Since the work on-line brokers, through which you can perform transactions on the leading stock sites can be accessed by visiting the sites www.ameritrade.com, www.etrade.com, www.shwabs.com.

Start with the need of opening an account with one (you can have several), an online broker. And for that should go to his site and to print a form contract for the provision of services. Then you fill the contract, sign it and send by mail the broker. Usually you want a paper copy of the contract with the handwritten signature of the investor.

With a contract you must send the form and the so-called W8ben, telling that the investor is not a U.S. citizen and does not reside temporarily in the U.S. territory. This form is very useful - it saves you from tax in the United States.

Then you should list a certain amount of money in your account. Typically, the broker, as a rule, asked to make a check, but since this type of calculations we have not distributed, it will be possible to transfer the money later, after opening an account.

You will learn about opening it, if you periodically (eg once a day) will go to the site of the selected broker to its password. And please note that a letter of agreement will lead to the broker about two weeks.

To activate the account it should not be less than $ 500. However, operating such a sum, you are unlikely to get good results. Bonus points if your account will be $ 3-5 thousand, or even better - $ 10 thousand if you're a beginner, then more investment is not recommended.


The money - to the

So, you see that the account is opened. This will be visible on the welcome: you turn on the name you specified in the contract with a broker. Then begins the fun part - through you, but there is no money in it. What should I do?

There are several ways to send money abroad. The most simple and inexpensive: find among your friends who are familiar with the foreign economic activity (has business with foreign partners). Ask someone to list his foreign accounts (most likely offshore) to your account with an American broker an amount, for example, $ 7 thousand, of course, that the money (cash only) you must return your facilitator in Ukraine.

It is important that the money in your account does not come with the territory of Ukraine, as with any foreign or offshore companies. Indeed, in this case, the sender is impossible to attract criminal liability. This scheme is used by many brokers. To obtain a license in NBU investing abroad use only one.


The difficulty of choosing

So, your money to a broker there. What's next? At the U.S. stock markets traded more than 20 thousand of the shares cost from $ 0,001 to $ 110 thousand each. And each campaign stands by its symbol (ticker). For example, Boeing stock is traded under the symbol BA; Intel Corp. - INTC; General Motors - GM; Avon products - AVP, and so on. In all this, you need to thoroughly understand.

To do this, go to www.yahoo.com, follow the link under the shares (stocks) and go to the stock screening (screening - selection of stocks on the specified parameters). Ask any setting, for example, the size of the capitalization of the company at least $ 1 billion search engine will give you a long list of stocks that meet the given parameters, the names of companies and their stock symbols. Choose Meet companies, their financial condition, capitalization, staff, etc.

All this can be found at www.yahoo.com, to be exact - at http://finance.yahoo.com, as well as the site chosen broker. The above data are provided to customers on a mandatory basis. You can also find the graphics market price stock that can be built in any time scale.


You - shareholder

Finally, the action you selected. Let it be shares of Goodyear tire (GT) - the largest manufacturer of tires in the United States. Go to the homepage of orders your broker, fill out a warrant to purchase and then press ENTER. You will see the order in slightly modified form, and ask the broker to confirm the order. Press ENTER again. Within a few seconds, you become a shareholder in the company Goodyear tire!

After entry in the register of shareholders, you get all the rights of co-owner companies. You by e-mail invitations will even come to the annual meeting of shareholders. Letters coming from abroad, especially from the broker or the company may intercept the concerned authorities, so it is desirable to specify in the contract for real, but not his, but someone else's (eg, a friend who lives abroad).

Naturally, the broker for the execution of the order will commission (within the $ 15-20). And no matter how many shares you purchased - 1 or 1000. Fees are the same. Of course, cheaper to buy more shares. So, if bought 10 shares of GT for $ 20, you pay $ 200 per share plus $ 20 - fees for the purchase, plus $ 20 left to pay on the sale. Total is $ 240. That is, to withdraw from the deal without a loss, will sell the shares of GT is not below $ 24 apiece - a 20% higher than the purchase! So you proderzhites shortly. Therefore, the shares you need to buy 400-500 pieces, then the transaction will be more than justified.

Sale of shares bought - true art. Assume that your account was correct and the share price rising. When to sell? The first option - after the price rises to 10-15%. Second - keep until the graph of prices of shares do not see obvious signs of trend turn.

Lack of first option is that you can sell the stock too early and lost profits. The lack of a second - a large portion of the profits you could lose, waiting for signals on the spread pattern.

Of course, there are other options to determine the optimal time of sale. All of them are described in the literature on technical analysis.


Profit and risk

You understand that you can earn a lot of - there is no limit. It needs a sober calculation, and a little luck. Working with the shares of small companies, you will, of course, much to risk, but returns may be high. Such companies can provide gains of up to 300% and more than a few days.

See graphs of growth stocks, you can visit the site www.bigcharts.com. There you'll find many interesting graphs of shares, which showed the marvels of growth in 200%, 400% and 1000% for a few days. It is important only to predict a price rise, to find a company before its shares scrambled raskupat millions of investors, and prices began to take off.

If you are conservative and invest money only in the «blue chips», then your earnings may be lower. On average - from 5-25% for the year, if not wrong with the choice of object attachments. But in both cases, losses are possible. Indeed, to predict share price is quite difficult, especially our inexperienced Ukrainian investors.


How to get to?

Finally you receive a desired income. Now the question arises: how to collect their money from the account of the broker? The path is almost the same as when you send money, just the opposite. Transfer of proceeds from his accounts with the broker to the account of a foreign company of his friend's (or the payment properties abroad that he would provide). Then the mediator in Ukraine pays cash (minus a premium for services). But in this case, all based on trust, which is very risky.

Calculate your costs when withdrawing money. About $ 20-25 will remove the broker for the transfer of money and even 1-2% of the amount you must pay the mediator-businessman. So, with income of $ 5000 in cash receive a profit:

• 5000 - 25 = 4975;

• 4975 - 1.5% = 4900.

That is, the loss of no more than $ 100.

But to receive the income is very, very difficult. Do not believe those who say it's easy. Achieving good results requires great analytical work.

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!

Investors and traders in the currency market FOREX.

If you have free money and you want to get their income above that banks can offer

or government bonds, then it makes sense to consider the option of investing in the foreign exchange market Forex. Here you have two options: to become an investor or trader. The choice will depend on whether you have time and desire to explore their own trading, or you want to trust the professionals to increase your capital. Consider the investment, both in terms of investor and trader.

Investor

Investing like those who have free funds, but no time or desire to learn professional exchange, stock and other financial markets, which would itself trading. In this case, you can take advantage of such services as asset management. Currently, there are a myriad of companies, brokerage firms and individuals who offer this service to investors. In what is primarily to draw the attention of the investor in selecting a management company? Given that the first and basic rule of finance - it is the preservation of initial capital, first of all need to ask what guarantees the preservation of investors' funds are provided in the management company.

Types of risk an investor may be as follows:

1. Management Company insures deposits of investors in the insurance company, in this case a third party (insurance company) guarantees the complete or partial refund in the event of financial losses.

2. Another form of insurance may be a reserve fund, designed specifically for the case when investors need to pay damages. For example the total fund = 100 $ 000, the contribution of the investor = $ 5 000, Reserve Account = $ 40 000.

Getting that input from the investor at $ 5 000 / 100 000 $ * 100% = 5% of the total fund. Hence the investor is entitled to receive 5% * 40 $ 000 = $ 2 000 from the contingency fund. If at the time of the withdrawal of investors' funds have a balance on your account equal to

4 000 $ (that is, Drawdown on account of 1 000 $), then the investor is paid from the reserve account, the outstanding amount of 1 000 $, but if at the time of the withdrawal means an investor has a balance equal to $ 2 500 from a reserve account to pay all $ 2 000 that the investor is entitled to receive. The creation of a reserve account does not mean that investors are guaranteed 100% or even 100% safety deposit. This is only an insurance reserve fund to guarantee partial or full repayment of the account Drawdown investor.

3. Another version of the insurance financial risk investor. As part of the financial risk borne by the trader directly, which will make transactions on the account investor. For example a trader who would manage the funds the investor is making a contribution from its own resources, which determines the amount of trusted that the trader capital. If the trader commits an unprofitable deal, he loses it is his contribution, as the investor does not bear financial losses.

For example, the base yield trader at more than 100% per annum, the average level of 150-200%. Trading strategies trader at the historic period, showed the greatest Drawdown of 10%. Trader made a deposit of $ 10 000, and receives in the management of up to 100 000 $, that is exactly so that the trader's own funds sufficient to ensure the maximum statistically probable Drawdown. Assume Drawdown was 8%, ie, the trader had lost $ 8000 of their own money.

The investor in this case did not lose a single cent. With further trade trader played losses and a profit. That is back to $ 8000, plus earned a certain amount above the authorized management in investor capital. Thus the investor funds are insured, and of course in this case, the maximum Drawdown of the account investor is limited to 10%.

4. The form of insurance can also serve as a so-called "limit losses." If the trader does not have its own funds,

either they are not sufficient to ensure the loss of a major capital investor, but the trader is popular among

investors (eg, due to the high-income), it introduces the concept - a limit losses. That is because the trader

own resources is not, but quite promising, the investor accepts the risk, which is set by the investor or trader, based on the trader's trading strategy. Warranty Management Company in this case are as follows - trading account will be blocked on reaching limit losses. More than just an investor considered acceptable, he will not lose.

In addition to the insurance of financial risks, it is desirable that a management company has provided investors a report indicating previous successes, this report may constitute steytment, certified by independent brokeromili auditorami.Tak same, well, if there is an opportunity to familiarize themselves with steytmentami, traders who are to be to manage investor funds.

It would be superfluous, to ask where the management company is registered as a legal entity that would know of

legislation which the country is governed by it, but how would an investor do not have to go to the Cayman Islands or Gibraltar - claims management company.

Defined with the above points, and deciding that the office has found credible, the investor should pay attention to the following issues: minimum deposit - there is quite a wide range of firms that are in management, both from $ 100, and 100 000 $. Obviously, the choice here depends on the thickness of a purse investor. You should also find out the distribution of profits between the management company and the investor. The ratios are also different, as of 50/50, and 15/85 from. Investors should pay attention to the fact there is a certain fixed monthly fee