Investments – long-term investments with the aim of making a profit, additional income. It does not matter what kind of economy a country has, rich or poor, because people are laid off everywhere. Therefore, additional income will not be superfluous. If you just have a financial reserve that does not grow, it can depreciate due to inflation and run out. Along with this, passive income can be for life. But for it to be, you need to invest. But where to invest in Ukraine?
It is best to buy a hotel that already exists, several apartments or houses that already rent – such investments will pay off within 10-15 years. On their profitability even a couple of percent can live. However, this is an investment of several million dollars, if not dozens, only 1% have such money. Where is it profitable to invest money to a person with an average income?
Review of the current economic situation
In Ukraine, because of the war, income fell for 90% of the population, someone lost his job, someone went bankrupt, etc. Part of the population had a financial safety cushion, but probably only 1% have enough for a year. If finances are just lying around, inflation reduces their value, so the only way out would be to create assets. Questions: “How to invest in Ukraine?” and “Where to invest money with interest?”
The easiest way is to deposit them in the bank at an annual interest rate. But in times of crisis, the bank may lower the interest rate. Interest is usually no more than 8, and if it is 15 or more, the bank may close soon. It turns out that the deposit in the bank is not the best option where to invest money.
And if the country has a civil and local war, crisis, poor economy, all investments inside the country are risky
So where to invest in Ukraine in 2023-2024? To begin with, you need to collect at least a small investment portfolio simply by setting aside a small amount of income (10-20%) and only then you can think: where to invest money in Ukraine. After all, if you take a loan or a short-term loan (which is even worse), such investments promise huge risks and debts.
Option 1: Investing in cryptocurrency
You can invest in securities of countries, for example, treasury bills. But such securities will bring no more than 0.1% per year, which is much inferior to inflation and will bring good profits only with huge investments. And where to invest small money? In cryptocurrency.
Cryptocurrency is a very risky asset. It is extremely volatile and it is almost impossible to predict whether it will rise or fall in price. Therefore, diversification of assets should be present, i.e. do not invest 100% in any one cryptocurrency. This way you will noticeably reduce the risks.
But if you are an experienced trader, or know how to earn on the rise and fall – you can safely start, but do not forget about diversification. Cryptocurrency can bring up to 10% per day. However, the downside of cryptocurrency is that it can be criminally mined. If you are transferred such finances, the account can simply be blocked.
You can buy safe cryptocurrency from us, because our service checks every coin.
You can lock in profits from time to time. But the main plus and minus of cryptocurrency is its volatility, it can grow by 10% a day for a month, and in 2 days fall by 90% or more.
If your crypto starts to fall, you can withdraw your finances through our service “AnyExchange” quickly and safely. In addition, with our service, you will be able to get cash for your crypto in almost any centralized currency.
Thus, assets will become liabilities, but this is only temporary and you will not go into a minus.
Option 2: Invest in company shares
If you do not trust cryptocurrency, the answer to the question, “Where to invest in 2023?” Will be company stocks or securities .
After buying shares in a company, you become one of the investors and a co-owner, and are entitled to a share of the company’s profits (dividends). You can even create funds and invest in a startup yourself or together with other investors. A great option is to buy a part or a whole cafe like KFC or McDonald’s.
But if you don’t have an extra $10,000-300,000, you can buy just a few Apple CBDs. As of Sept. 29, 2023, they’re worth about $167 apiece.
But company stocks are also pretty risky assets. If you decide to put the CBC of a new startup in your portfolio – remember that 1 out of 10 businesses go bankrupt immediately, and of those that don’t go bankrupt, only 1 out of 10 don’t go bankrupt over the next 10 years. That is, 1% of all startups will run for 10 years or more. The reason for this is competition. After all, such giants as Amazon, ATB, Tesla, etc., – often trade at a loss, and then buy out the bankrupt competitors for nothing and sharply raise prices.
Therefore, if you decide to buy a pulp and paper company – specifically study your new assets before the purchase: what is the market situation, competitors, how the company is doing, etc. If the startup is new, study its business plan and especially carefully the section about competitors and risks.
n general, the shares of companies can bring 5-7% per year, the profitability of European restaurants 3.5%, in non-rich countries may be higher or lower. That is, your investments will pay off in 20-30 years. But all this time they will bring passive income, on which you can live.
When buying a CBK, communicate directly with the owner and/or broker, scammers will always want to get their hands on your finances. Sometimes you need the approval of the board of directors or those who hold a controlling interest to buy and sell shares.
Comparison and Selection
The rule: “The greater the risk, the greater the reward” does not apply to investing.
Crypto investments are high risk due to volatility. The investment can be either short term or long term. It is a matter of a couple minutes to withdraw it into fiat.
Investing in stocks is risky, but they have lower volatility, and the price is more stable, and successful investments in them are always long-term.
Individuals can buy crypto, while only legal entities can buy shares.
It is impossible to say which asset is better or more profitable, because it is necessary to analyze a specific case, a specific cryptocurrency and stock. You choose at your own discretion.
Recommendations and strategies
The answers to the questions “What to invest in 2023?” and “What to invest in 2024?” may be opposite.
Ripple cryptocurrency tokens, which sued the SEC in 2021-2023, made all token holders richer after winning in court. This coin broke into the top 10 in terms of capitalization, displacing others. But all crypto, with 99% probability, after bitcoin’s fall in price should also fall.
There is no such pattern with stocks, but they too are volatile. While Ilon Musk was buying Twitter (now “X”), Twitter’s stock gained 10-15% in just half a year, but it had no effect on other stocks. The volatility of Twitter specifically is not the lowest, there was a spike in the stock to $65 and then a drop to $45 a piece (-44%!).
With crypto, there are options to increase your income not only because of the increase in its price. For example, engage in steaking – make a safe deposit: Keep some of the blocked coins on your wallet and don’t use them. This way you will incentivize the blockchain to work and you will earn income. But this is only possible with certain cryptocurrencies. Also, as an option to engage in farming, unite in a fund and create something like a cryptocurrency deposit on the exchange. The return will be higher, usually much higher in percentage than the bank offers. But you will have to invest in at least 2 cryptocurrencies, and no one canceled the risks.
And if your portfolio has CBK companies, you will be able to buy new CBK of other companies with profit. Such diversification will secure your finances.
Conclusion
Where is it better to invest in stocks or cryptocurrency? If you are doubtful about both options, you can invest in something else. And if you are sure of both options and don’t know what to choose, invest 50% of your portfolio in crypto and 50% in stocks. This way you will diversify your investment fund.
Not every experienced investor will be able to answer where to invest money. Even now it is not clear what to invest in, and in a couple of months the question will be: “Where to invest in 2024?”. It is necessary to invest only in those assets in which you are confident, and always diversify. Fortune, like the market situation, is extremely fickle.
