When investing in bonds, the best solution would be to buy securities from several issuers – with different riskiness and income. For example, 30% government bonds, 40% bonds of reliable companies, and 30% bonds with higher yields and higher risk. Such a portfolio will be ready for different development scenarios.

Stocks are one of the most popular ways to invest. By buying a share, you buy a part of the company and become its co-owner – shareholder. The share price can be anything – from several tens of rubles to several thousand dollars. Therefore, you can start investing in stocks with almost any amount.

Stocks make money in two ways. First, you can sell a share when its value in the market increases. Secondly, in some cases it is possible to receive dividends – this is the payment of part of the company’s profits to its shareholders.

Stocks have a high risk, especially if you invest in one company or industry. The company can release a bad product, choose the wrong direction of development, lose to competitors, and so on. And there may be an economic crisis and an epidemic – as it is happening right now.

Due to these and other factors, the value of shares is constantly and noticeably changing in one direction or another – in the financial market, such fluctuations are usually called high volatility. However, successful companies still show long-term growth.

For example, Amazon stock has ranged from $ 1,700 to $ 2,040 over the past month. But if you look at the perspective of the last five years, their value has grown almost sixfold.

If the risk is high, the stock can have a high return. By investing in the shares of a promising company at an early stage and selling it on time after a few years, you can get a tangible return on the money invested.

When investing in stocks, it is important to follow the principles of diversification again and not invest all your money in one company or area. Having bought shares of Apple, Google and Facebook, you can find yourself in a situation when the crisis in the IT industry will affect the fall in the value of the entire portfolio.

Another investment option is gold. It does not bring money, interest or dividends are not paid on it, as is the case with bonds, deposits or shares. In addition, investing in gold is not subject to the deposit insurance law.

Despite the disadvantages, this tool has its advantages. Gold is an “eternal” asset. It is stable, durable and liquid – you can sell gold at any time to invest in other instruments.