Investment opportunities are quite rich

Investment opportunities take many forms today. Whether your goal becomes bitcoin, real estate, stocks and other investments, the cause will probably be the same. You don't want to simply watch inflation steal relentlessly from your savings. It is for these exact reasons that you should avoid the below.

Don't just leave money in your current account
Don't keep your cash at home
Don't invest in what you don't understand

Although the bank account is the safest way to store moneyOn the other hand, this model does not generate or bring you anything. Therefore, it is better to target at least a savings account. In the best case, you will then choose modern investment options.

Inflation speaks for itself

Inflation is a never-ending topic and a telling parameter of how much money you lose from your savings each year. Before we go into the details of each investment, let us tell you about inflation. This is historical data in the Czech Republic, where it is clear that this is an erratic figure.

Period	Inflation
January 2016	0,6 %
October 2017	2,7 %
December 2018	2 %
July 2020	3,4 %
September 2021	4,9 %

Inflation trends in previous years for the Czech Republic.

Of course, inflation is influenced by many factors. To some extent, it also affects the profitability of individual investments. In any case, it is advisable to invest and multiply money that is not currently needed.

Basic investment options

And what can you actually invest in these days? The investment opportunities are very rich and it depends on how much capital you have. For some, stocks and bonds become the obvious choice. For others, mutual funds and commodities will appeal.

The old rule is the basis of success. Always take advantage of investment opportunities that you understand and are familiar with.
Jacob F., investor.

Of course, you can also invest in commodities. For example, gold is very popular. It is to some extent regarded as an imaginary safe base. But of course it depends on what investment instruments and strategies you use. If you have more money at your disposal, investment properties of various types are available.

Proper allocation of finance and risk within investments is very important.

Investment options - Shares and mutual funds

Let's look at securities first. The group that includes the aforementioned stocks and bonds. In this case you actually become the owner of a part of the company and you can benefit from the corresponding dividends. A bond is a debt security where you benefit from the interest paid.

Great offer of shares
Online investment option
No need for large capital

If we compare stocks and bonds, stocks belong to the group of riskier investments. At the same time, it should be taken into account that the liquidity of any security always depends on the supply and demand in the market.

Mutual funds from A to Z

Mutual funds represent short and long-term investment opportunities. It depends on which direction you want to develop your future property. For example, you can buy mutual funds through your bank, so you can use online banking or a mobile app. There are many advantages to this investment.

Subject	Value
Amount invested	From 500 CZK
Risk	Unfolded
It belongs to the group	Securities
Buyback	In a few days.

Find out basic information about mutual funds.

If these investment options appeal to you and you want your money back after some time, you obviously have an open door. On the other hand, you have to take into account the possibility of a certain loss. In the event of an emergency, it is not a question of holding on to the money for the long term.

Investment options and their disadvantages

In order to present mutual funds in all their details, it is also necessary to mention their disadvantages. Every investment has its pros and cons. Be prepared for the fact that the value of the investment is volatile. Simply put, you are up one time and down the next, and you may not hit the right period in an acute sale.

Mutual funds belong to the category of investments where returns are not guaranteed.
Anna S., investor.

It should be noted that the investment options within mutual funds are truly varied and rich. There are hundreds of mutual funds of different types. However, this advantage can become a certain disadvantage in terms of choosing the appropriate title.

The chart shows beautifully which direction the stock market is going.

Investing in real estate

Naturally, people with more capital have richer investment opportunities. One option is the aforementioned real estate, which takes different forms. You can think of investment property as a range of different properties.

Flats
Family houses
Offices
Land
Commercial premises

In order to make your investment in a property worthwhile, you should compare the cost of maintaining it with the rental income. In addition, loan products can be used to acquire such property. A typical example is a mortgage.

Investment opportunities - Real estate

Investment opportunities related to real estate are tied to amounts in the order of hundreds of thousands to millions of crowns. Such an investment naturally carries with it certain advantages and disadvantages. In the table presented below, you will find out the positives of choosing to invest in real estate.

Subject	Value
Retrieved from	Usually beats inflation
Security	Safer type of property
Decline in property value	To zero basically never
Receiving	Regular rental, one-off sale

Real estate is one of the possible investments requiring higher capital.

However, not everything is sunshine for real estate either. In addition to the larger investment, be prepared for the costs associated with running the property. These can sometimes be unexpected, so you should have everything carefully calculated. When you sell the property afterwards, it is lower liquidity must be taken into account. This means that you will not sell a particular type of property as easily as, for example, shares.

Investment options with security

The title of this subheading more or less corresponds to the possibility of investing in real estate. Unless you lose your property to the elements, it still holds its value. And when that happens, a well-chosen insurance policy usually covers such scenarios.

Gold is also a relatively safe investment in the long term, as it is easy to buy and sell.
William S., investor.

Gold is one of the popular investments from which one can expect safety and a proper return covering the investment. You can invest in gold from as little as a few hundred crowns to as much as thousands. Such an investment is always an individual matter.

You can keep track of your investments via your mobile phone and laptop.

People are looking to invest more and more

Various statistics and rankings show that more and more people are turning to at least basic investments and deposit appreciation. Whether it's completely undemanding savings accounts or the occasional stock purchase. Many people are simply missing the point that without an investment, even a conservative one with minimal risk, they will simply lose their saved money.

Frequently asked questions and answers

The investment options we have presented are of course linked to a range of other useful and interesting information. If you want to learn more about investing, read the questions and answers presented below.

Which group of investments does gold belong to?

Gold is a commodity that targets more long-term investors. You should put money into gold that you do not need to operate in the coming months and years. This is the only way to get a proper return.

Which bonds are among the safest?

The investment options for bonds are rich and varied. However, if you are aiming for maximum investment security, government bonds are your target.

What about buying corporate bonds?

The purchase of corporate bonds is made through an intermediary. Check references and credibility when using them.

Which bonds are the most risky?

Of course, corporate bonds are risky and should be targeted by those who understand the industry sufficiently. In terms of safety, it is the opposite of government bonds.

What are the other investment options?

You can invest your money in banking products or currency, for example. Modern investment instruments in the form of certificates are becoming an alternative.

Investment opportunities for everyone

As you can rightly guess, there is an investment for each of you to find yourself in. Whatever appeals to you investment opportunitiesalways look a little closer. Try to understand and educate yourself more about a particular area. And this is true even if you invest through any intermediary. At the same time, it is advisable to keep a cool head and a steady nerve when investing.