How and Where to Invest Your Savings Today: Practical Tips and Profitable Ideas

With the difficult times we have been facing for months now, more and more people are wondering how and where to invest their savings today . The goal is obviously to make the capital yield, obtaining possible and possible economic returns. How to do?

The solutions that the market makes available are numerous. We know that choosing the most convenient one, with the right compromise between risk and return, is always difficult.

We have therefore created this simplified guide, focused on:

the best ways to invest today ;
investment opportunities divided on the basis of different risks;
the most used professional intermediaries to invest today (such as the broker eToro, which allows you to invest immediately, starting from only 50 euros).

Where to invest today?

Investment	Products	Medium risk
At the bank	Escrow account, government bonds, etc.	Bass
In mail	Interest-bearing voucher, postal book, etc.	Bass
In bonds	Government bonds at maturity	Medium low
In real estate	Direct investment, or with crowdfunding	Medium
On the Stock Exchange	Stocks, ETFs, indices, commodities, forex, etc.	medium-high
In cryptocurrencies	Asset crypto (BTC, ETH, XRP ecc)	High

Solutions for investing today

As shown in the table above, there are many solutions for investing today and can be selected on the basis of one's needs and profitability objectives (i.e. what return we expect to obtain from the provision of capital).

A premise is therefore right from the start. Before moving on to the vision of each individual investment possibility, we have deliberately indicated and ordered in the table the investments on the basis of their average risk. The premise is that there are no risk-free investments .

Investing today in banking or postal products can for example be considered a medium and low risk investment, given the presence of any state guarantees on deposits, or the obtaining of very low interest percentages.

We then listed the investments with a higher level of risk . Investing in the stock market and cryptocurrencies today means exposing yourself more, yet facing the possibility of a higher return (albeit with the risk that you must always keep in mind).

Invest in the Bank Today

Investing your savings in the bank today and focusing on a traditional solution presents a fairly low investment risk, but definitely not very profitable.

If you consider it appropriate to take this path, you could go to one of the best investment banks , ask for support from a consultant, who will show you the best existing investment solutions, such as:

Escrow account , with which you freeze your savings in order to obtain the pre-established accrued interest in exchange. The interest rate applicable today rarely reaches 1%, very little compared to many other more innovative and profitable solutions;
Current account deposit , which unlike in the past, when it was even possible to obtain considerable percentages of return just for having brought one's savings to the bank, now includes stamp duties and other ancillary charges;
Traditional investments in bonds and on the stock market , which however require very often prohibitive commissions compared to the modern solutions of the online brokers that we will propose to follow.

Invest in Swiss Post today

Investing in Swiss Post today is another investment that presents a very low risk and is particularly suitable for those investors who much prefer appropriate security.

With this in mind, you could decide to focus on:

Postal Interest Bonds , which have no subscription and redemption costs (with the exception of tax charges). They allow you to benefit from a subsidized taxation of 12.50%, which is also guaranteed by the Italian State. The 4 × 4 interest-bearing bond, for investments up to 16 years, currently has a maximum yield of 0.75% per annum (therefore even less than 1%);
Smart postal booklet , with which you can benefit from 0.51% (always check the updated percentages on the official website), bringing your capital to Poste Italiane.

In both cases, the return is less than 0.80% , therefore quite low, especially if linked to short-term investments. Solutions that are eventually considered by those who have large liquid assets to be immobilized.

Invest in bonds today

Investing in bonds today is another solution which, as with banking products, presents a low risk, but at the same time not very profitable. The low risk lies in the fact that it is very difficult for a government loan to be insolvent due to bankruptcy.

If you are an investor who loves to maintain a certain security, keep in mind that the percentage on the possible economic return that you could obtain is around 3 per thousand, but varies according to the different BTPs on the market.

The duration can vary between 3 to 30 years. Within our guide to the best BTPs , we have exposed the best bonds on the market. You can discover the products that have offered higher returns over 5 years, 10 years and over other time horizons.

Where to invest in the stock market today

Beyond what can be considered "traditional investments", it is possible to go into detail on investments on the stock market . Investing in the stock market today means placing your capital on listed financial instruments belonging to different trading sectors.

In the course of the following paragraphs, we will go on to expose:

invest in shares;
invest in ETFs;
investing in gold and commodities (safe haven assets).

Before that, we remind you that you can access all major sub -funds through the best trading brokers . Always opt for professional traders, with the necessary licenses and with competitive spreads and commissions.

Invest your money in stocks today

The first stock market sector that we present is that of equities, ie shares of listed companies available on the main trading centers. Unlike in the past, when it was necessary to go to banks to invest in shares , today everything is more simplified.

The presence of the best trading platforms listed above allows you to easily access all the most famous stocks. Based on your interests and operational capabilities, you can decide whether:

buy real shares , i.e. becoming the owner of the same and obtaining any dividends paid by the company;
trading on shares through derivative instruments , i.e. contracts for difference that replicate the asset's performance, allowing you to open both buy (up) and sell (down) positions, without however benefiting from any dividends.

One of the leading brokers, which has always been a concrete reference point for investments in shares, is eToro (here his review) . It offers an unlimited demo account and allows you to both buy real stocks and trade via contracts for difference.

Invest in ETFs today

Have you ever heard of ETFs? Investing in ETFs today means focusing on mutual funds that faithfully replicate the price trend of the indices of the reference financial market.

An acronym for Exchange Traded Fund , ETFs allow you to invest in a large basket and thus diversify your portfolio. This opportunity allows you to further reduce any risks, focusing on potential returns that are higher than the systems described above.

Another advantage of ETFs is their management costs, which are usually very low, and their highly simplified management. In fact, it is the fund managers who balance and possibly modify the fund's holdings.

Net of the high volatility of the financial markets, investing in ETFs today involves medium risk and is particularly suitable for investors wishing to aim for the long term.

Find your exchange traded fund in our article on the best ETFs .

Invest in gold and commodities today

The recent pandemic crisis, which has brought the entire global economy to its knees, leads many investors to take refuge in traditional assets (considered as safe haven assets ), which are not significantly affected by external and influential factors.

One of them is gold. Investing in gold today means betting on a historical asset, which over the years has allowed many investors to obtain considerable returns, obviously using well-selected market strategies.

To invest in gold you have several solutions. You can bet on physical gold , for example by buying bars, coins, or jewels, or invest in financial gold. In this second case, you can trade on the commodity through the best online trading brokers.

67% of eToro CFD users lose money

Of course, there are also other very interesting commodities that you could invest in. For example, consider also the possibility of investing in:

Petroleum;
platinum;
crowded;
lithium.

Invest in real estate today

Investing in real estate today is one of the most popular solutions for successful investors interested in diversifying their capital. In addition to the typical purchase of real estate, which obviously requires large amounts of capital, are there solutions within everyone's reach?

An alternative solution, which always allows you to invest in real estate , is real estate crowdfunding , a practice that has not been widespread, but which allows many investors to obtain interesting benefits.

Specifically, real estate crowdfunding is an investment that encompasses a collective of investors who, thanks to special platforms, can invest even small amounts in this historic but constantly evolving sector.

The minimum initial amount expected is often around € 50, a very reasonable amount, which can always be changed at one's discretion. How to invest with real estate crowdfunding?

There are two solutions available:

by collecting a monthly coupon, in the case of lending crowdfunding;
owning company shares, in the case of equity crowdfunding.

If you want to focus on the brick, but avoid ancillary outlays, registration taxes and other bureaucratic costs, take advantage of real estate crowdfunding by selecting the most attractive projects among those available on platforms such as Re-Lender or Concrete Investing .

Investing in Bitcoin and crypto today

Another interesting proposal, however with the highest level of risk, is to invest today in cryptocurrencies , i.e. digital currencies that do not exist in reality (but only in digital format) and that have their own exchange market.

The most capitalized cryptocurrency in the world is Bitcoin, which in a few years went from a few cents to over $ 68,000 in the last months of 2021. Investing in BTC in 2009 brought colossal returns to its point. of maximum.

If you want to invest in Bitcoin, or buy cryptocurrencies , you can rely on the best brokers & exchanges in the world. Many operators, such as eToro, allow you both to buy real assets and to trade with derivative instruments.

Lokasi:

SEPUTAR TEKNOLOGI