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How do people around the world invest their assets?
Now that we are familiar with the concept of investment and its benefits, it is better to review the statistics of developed and developing countries in the world to see how the people of the world manage their incomes.
– United States of America
The chart below, which comes from the gallup.com website, shows the views of the American public regarding the best way to invest from 2011 to 2023. As you can see, in 2022, the real estate market with 34%, gold with 26 %, the stock market with 18%, bank deposits with 13%, and bonds with 7% have been the best investment methods according to the American people.
Comparison of investment methods from the point of view of the American people
– Germany
Investing in which assets will have the highest returns in the next three years? This question is related to a survey that was asked to 1000 German citizens in 2022 by the website Stastita. Of these, 32% chose gold and 30% the stock market as the best investment method compared to other types of methods. In the next ranks, stock investment funds with 15%, bank deposits with 3%, and fixed income bonds with 1% respectively. You can see the full results of the survey in the image below. How Much Is My US Savings Bond Worth?
Comparison of investment methods from the point of view of German people
What are the types of investment methods in Iran?
In general, stock markets, land and housing, cars, gold, and foreign currencies are the most popular investment methods in Iran, which we will get to know more about in the following.
Exchange
Investing in the stock market and buying and selling company shares is one of the most popular investment methods in developed and developing countries of the world. Because this market usually has higher returns compared to other investment methods and can also help the economic growth of the country. Among the other advantages of this market, we can mention the possibility of investing with little money, suitable liquidity, the possibility of non-personal investment, the possibility of risk management, and high information transparency.
If you are planning to invest directly in the stock market, it is better to first watch the stock market training and get familiar with things like technical analysis, fundamental analysis, reading charts, principles of trading psychology, and capital management techniques. Of course, you can benefit from the benefits of the stock market without learning these concepts. For this, it is enough to buy the units of investment funds so that a team of experts and experience will manage your assets. To learn about the features of a suitable fund, you can read the article ” The best investment fund”. In the last part of this article, we will learn more about these two methods of investing in the stock market.
Land and housing
Investing in land and housing usually requires a capital of several hundred million or even several billion. This means that if you want to invest a part of your monthly income in this market, you can only do so if you have a very high income. Therefore, people usually invest their income in other markets such as the stock market, gold, etc., which require less initial capital. Now, after a few years, these people can withdraw their capital from these markets and invest in land or housing.
Of course, it is better to note that land and housing have low liquidity and there is no transparent market for buying and selling them. In other words, if one day you decide to sell your property, you may be involved in this process for several months!
gold
Unlike the housing market, investing in gold is possible with much smaller amounts. Among the things that should always be considered by investors are: the risk of original or counterfeit gold. The risk and cost of keeping it in a safe place. Dependence on the global gold price and exchange rate as well
Foreign currencies such as dollars
The foreign exchange market is one of the risky and volatile investment methods and many parameters such as foreign relations, economic relations including import and export, government policies and the general policies of the Central Bank affect it. On the other hand, in certain circumstances, the purchase and sale of widely used currencies such as dollars and euros may be accompanied by serious restrictions, and keeping a large amount of them is considered a violation according to the law.
An interesting point!
When an Iranian person invests in foreign currencies such as dollars, it is actually equivalent to a person who has not invested his assets in any market in America! On the other hand, as we have seen in the statistics related to America, most of the people living in this country invest their money in a market such as housing, the stock market, etc. Now an important question arises. If the dollar or other foreign currencies are a good way to invest, then why do people in those countries invest their money in other markets?
The answer is simple; swelling In fact, people living in America believe that with the passage of time, the value of each dollar will decrease and the purchasing power of their capital will also decrease! It is interesting to know that inflation in the United States fluctuates between 1 and 3 percent annually. This means that your dollar investment loses an average of 2% of its value every year.
To better understand the issue, imagine that you are going to buy a foreign product at a price of $12,000. If you save $100 a month, it will take you 10 years to reach that amount of money. But within the same 10 years, assuming 2% inflation in America, the price of that product will grow by 1,926 dollars and reach 13,926 dollars. In other words, the $12,000 you have collected has been subject to 2% US inflation and will no longer have the same value as $12,000 10 years ago.
By investing in dollars, it is true that you are protected from Iran’s inflation. But you will experience inflation in the US, which is about 2% per year.
What is the solution?
If you want to benefit from the increase in the price of the dollar, it is better to buy shares of companies that have a high volume of exports instead of investing in dollars. In this case, you prevent both Iranian and American inflation! Why so:
– If the price of the dollar increases in Iran, the stock price of that company will probably increase as well. Therefore, you will be safe from Iran’s inflation.
– American inflation causes the price of that company’s export products as well as its dollar income to increase over time. As the company’s dollar income grows, it is likely that its stock price will also increase. Therefore, avoid American inflation.
– If you have invested in a suitable company, that company will certainly increase the volume and variety of its products. This will increase the company’s income and naturally, we can expect that its stock price will also grow. Therefore, you are ahead of the inflation of both Iran and America.
car
Unlike the developed countries of the world, the car is also considered as a capital good in Iran. However, there are factors such as restrictions on buying cars at factory prices. Maintenance and repair costs. Insurance costs and taxes. The risk of technological progress. Uncertainty about the import of foreign cars in the future and less liquidity than gold and gold coins have caused many people to prefer investing in other markets to buying cars.
Bank deposits
Many people consider depositing in the bank and receiving bank interest as a suitable investment. But historical data has shown that over the past years, bank profits have been much lower than inflation. In other words, bank deposits have not been effective in maintaining purchasing power and currency value.