"Planning for Investment? Start now not tommorow or later"

Invest? - How Do I Make Money out of it.



An investment makes money in one of two ways:
Payout as an income, or by increasing in value of assets to produce incomes either by your company/firms or others property

From Money 101:
Income comes in the form of interest payments, in the case of a bond, or dividends, in the case of stock. Interest payments on bonds are meant to be steady and reliable—when a bond doesn’t meet its payments, it is in default. Stock dividends can and do vary. A company has no legal obligation to pay out a dividend, and may have to cut it if earnings fall. On the other hand, unlike with a bond, businesses can raise their dividends when times are good.

Most investments are also traded on the market, so that means their value, if you tried to sell them, can rise or fall every day. The most familiar example is with stocks: If other investors see good prospects for higher company earnings or fatter dividends, they may push the price of the stock upwards. Or they may just sense that other investors are feeling more optimistic, and buy simply on the hopes of riding an ebullient market. Likewise, bad news or investors’ bad moods can force prices down.


What is Investment to mean to an Investor?

An investor is a person that allocates capital with the expectation of a future financial return. Types of investments include: equity, debt securities, real estate, currency, commodity, token, derivatives such as put and call options, futures, forwards, etc.

5 ways you can start investing with little money today.(
Rule #1 Finance Blog (Phil Town))


When deciding where you should invest your money, you’ve got plenty of options. These options include:

1. The Stock Market

The most common and arguably most beneficial place for an investor to put their money is into the stock market.When you buy a stock, you will then own a small portion of the company you bought into. When the company profits, they may pay you a portion of those profits in dividends based on how many shares of stock you own. When the value of the company grows over time, so do the price of the shares you own, meaning that you can sell them at a later date for a profit.

Other investment options include:

2. Investment Bonds

When you purchase a bond, you are essentially loaning money to either a company or the government (for US investors, this is typically the US government, though you can buy foreign bonds as well). The government or company selling you the bond will then pay you interest on the “loan” over the duration of the bond’s lifecycle. Bonds are typically considered ‘less risky’ than stocks, however, their potential for returns is much lower as well.

3. Mutual Funds

Rather than buying a single stock, mutual funds enable you to buy a basket of stocks in one purchase. The stocks in a mutual fund are typically chosen and managed by a mutual fund manager.

But here’s the kicker:
These mutual fund managers charge a percentage based fee when you invest in their mutual fund. Most of the time, this fee makes it difficult for investors to beat the market when they invest in mutual funds. Also, most mutual fund investors don’t actually ever beat the stock market.

4. Savings Accounts

By far, the least risky way (and probably the worst way) to invest your money is to put it in a savings account and allow it to collect interest. However, as is usually the case, low risk means low returns. The risk when putting your money into a savings account is negligible, and typically, there are little to no returns. Still, savings accounts play a role in investing as they allow you to stockpile a risk-free sum of cash that you can use to purchase other investments or use in emergencies so you don’t touch your other investments.

5. Physical Commodities



Physical commodities are investments that you physically own, such as gold or silver. These physical commodities often serve as a safeguard against hard economic times.
Best Ways to Invest Money in Your 20’s


It’s never too early to start investing. In fact, just a few years of a head start can often lead to hundreds of thousands of dollars more money by the time you retire.
When you’re investing in your 20s, it’s best to start out by focusing on paying off any debt you may have such as student loans or credit-card debt. Debt works just the opposite of investments, exponentially decreasing your wealth rather than exponentially growing it, so it’s a good idea to make getting debt-free your first and foremost goal. Once you have your debt under control, start researching the stock market and investing as much as you can. Take in as much information as you are able, and start highlighting quality companies that you believe will grow in value over time.