Top 5 investment companies in the Russian Federation. Investment companies and funds. Reputable companies are a priority

How to properly check an investment company? What does the rating of the most reliable investment companies in Moscow look like? What features does an international investment company have?

Hello readers of the online magazine HeatherBeaver! Denis Kuderin, an investment expert, is with you.

We continue the topic of profitable investments. A question that will be discussed in detail in a new article is how to choose an investment company.

The material will be useful to both novice investors and those who already have some experience in financial investments.

So, let's begin!

1. What is an investment company and what does it do?

Remember the main tenet of business - “money must work”? So, profitable investing is the most accessible and at the same time the most effective method make finances work for you.

Money that is kept “in a stocking” is lost money. Even within a month, their real value decreases by several percent, and over the course of a year, inflation often reaches 10-12%.

Example
According to Rosstat (the main statistics department in Russia), in 2015 the inflation rate in the Russian Federation was 12.9%. And the cost of essential products increased by 15-17%.
Conclusion: capital should be invested in profitable investment instruments. Skillful investments create passive income - not only professional businessmen, but also all reasonable people ultimately strive for this type of income.
4. Rating of TOP-7 investment companies in Moscow
To make it easier for our readers to navigate the boundless financial ocean, we have compiled our own rating of investment companies for them.
The offices of the organizations presented below are located in Moscow, but this does not mean that residents of other cities cannot use the services of these companies.
Thanks to the Internet and the use of modern payment systems, you can make deposits from anywhere in Russia, as well as withdraw them to your accounts.
So, TOP 7 main players of the Russian financial market.
1) TeleTrade
A group of companies focused on various investment areas. Investors' money is managed by professional analysts, traders and brokers, making long-term and short-term investments in stocks, the Forex market, futures, and precious metals.
Among the advantages are 20 years of successful work in the investment market, training programs for clients (video lessons and traditional training), information support for investors.
2) Simex
– an investment platform focused on online deposits. Not only residents of the Russian Federation, but also citizens of other countries can become investors. A large selection of investment projects - investments in shares, existing businesses and promising startups.
The company's list of advantages includes a minimum initial investment, the ability to invest in two clicks, and earnings through an affiliate program with zero initial capital. Users can sell their shares to other participants.
3)
The company was founded in 1994. It has membership in the National Stock Association, provides users with trading and brokerage services, as well as annual and current financial reports.
Clients have access to a unique service on the Russian market - individual investment accounts. There is also the possibility of buying/selling shares to individuals on the over-the-counter market.
- profitable investments in developing sectors of the Russian economy. Cooperation with legal entities and individuals, consultations with investors, constant search for promising investment areas.
A course towards stable income for investors and direct participation in improving the economic situation in Russia. Full responsibility for the development and implementation of financial strategies for investors, insurance assistance in order to increase client safety.
A diversified investment company operating since 1992. Included in the TOP-6 largest organizations in the Russian Federation in terms of attracted capital. Winner of the Russian “Financial Olympus” award.
The list of investment products is extensive - brokerage services, online trading, trust capital management, trading in foreign exchange markets, venture investments, financial consulting.
– the company is part of the investment and construction holding E3 Group, founded in 2009. The main profile is real estate investment. Maintains a course for long-term deposits (due to the specifics of the investment instrument).
Among the advantages of the company are the opportunity to start with a small (for the real estate market) amount (from 100,000 rubles), three types of insurance for each deposit, and collective investments.
7) Golden Hills
Professional management and increase of private capital. Guarantee of 15% per annum with minimal risks for the investor. A new look at profitable investing and a new approach to financial management.
The company adopts the experience of Western investment companies and uses it on the Russian market. The list of areas for deposits includes stocks, bonds, gold, real estate, art, and direct investments.
For clarity, let us present the main characteristics of investment companies in the form of a table:
№ Companies Estimated profit Features of working with deposits
1 Teletrade Not fixed Possibility of Forex trading through intermediaries
2 Simex From 24% Focus on modern online technologies
3 From 20% Individual investment accounts for investors
4 Depends on the size and type of deposit Focus on investment in the Russian economy
5 Depends on the choice of investment product Large list of investment areas
6 25%-45% Investments in liquid real estate
7 From 15% Deposits in the Russian Federation and abroad
5. How to check an investment company - 5 signs that you are collaborating with scammers
In times of crisis, investors' risks increase. It's not just about economic instability, but also about the increase in the number of different types of scammers.
Many swindlers are eager to cash in on the trust of investors and invest their money not in profitable projects, but in their own pockets.
To protect your savings, act with extreme caution. There are signs by which one can easily distinguish dishonest “merchants” from bona fide participants in the financial market.
Sign 1. Lack of open financial statements and other constituent documents
Certificates, licenses and other documentation, without which the existence of an official legal entity is impossible, have already been mentioned above. I will add that self-respecting organizations are always ready to provide users with financial reports for the past and current periods.
If a company claims to have a department of traders who make money for investors in the foreign exchange/stock markets, it is required to present trading reports and trader certificates upon request.
Sign 2. No agreement was concluded between the investor and the company
Relations formalized in the form of a formal agreement are the basis for security and long-term mutually beneficial partnership.
Often on websites it is suggested to simply fill out an offer - check the box electronic document. More reputable companies enter into real contracts with signatures and seals. Such a document, whatever one may say, inspires more confidence.
Sign 3. There is no photo of management on the company website
Without a photo of the director or members of the board of directors, the company’s website looks somehow incomplete, as if it is hiding something.
If the resource contains a photo of a leading person, his biography, life position and views on management policy, it demonstrates serious intentions, openness and a focus on long-term work.

Analysis of the effectiveness of investments and sources of their financing

The concept of "investment" originates from Latin word invest, which means "investment".

Hence, investments represent investments of any funds in the formation of certain types of property in order to obtain net income (profit) or other results in the future. In this case, the result obtained as a result of investing funds must necessarily exceed the amount of investment, i.e. investments.

Investment activities according to the federal law “On Investment Activities” - making investments and carrying out practical actions in order to make a profit or achieve another useful effect.

Investment activities of the company

The effective activities of firms, enterprises and organizations in the long term, ensuring high rates of their development and increasing competitiveness are largely determined by the level of their investment activity and the range of investment activities. An individual or legal entity that makes investments on its own behalf and at its own expense is called investor.

In the broadest sense investments represent an investment of capital with the aim of its subsequent increase. The source of capital gains and the driving motive for making investments is the profit received from them. Often the term “investment” is identified with the term “capital investment”. Investments in this case are considered as investments in the reproduction of fixed assets (buildings, equipment, vehicles, etc.). Investments can be made: in current assets; in various financial instruments (stocks, bonds, etc.); into certain types of intangible assets (acquisition of patents, licenses and know-how), etc. Consequently, capital investments are a narrower concept and can be considered only as one of the forms of investment, but not as their analogue.

All investments are divided into two main groups: real(capital-forming) and financial. Real investment- These are mainly long-term investments of funds (capital) directly into the means of production. They represent financial investments in a specific, usually long-term project and are usually associated with the acquisition of real assets. In this case, both equity and borrowed capital, including a bank loan, can be used. In this case, the bank also becomes an investor making real investments.

Financial or portfolio investments is an investment of capital in projects related to the formation of a portfolio of securities and other assets. In this case, the main task of the investor is the formation and management of an optimal investment portfolio, carried out, as a rule, through the operation of buying and selling securities on the stock market. An investment portfolio is a collection of different investment values collected together.

In the practice of planning and accounting long-term real investment can be grouped according to the following characteristics:

by level of source centralization financing: centralized (state budget funds), non-centralized (the enterprise’s own funds, borrowed and attracted financial resources, etc.);
by technological structure(scope of work and costs): for construction and installation work, purchase of all types of equipment, tools and inventory, other capital works and costs;
by the nature of reproduction of fixed assets: new construction, expansion,
reconstruction, technical re-equipment;
by way of performing work: contract and economic methods;
by appointment: industrial and non-productive purposes.

The amount of investment depends on certain factors.

Let's consider only the main factors influencing the volume of investment:

Firstly, the volume of investment depends on distribution of income received for consumption and savings. In conditions of low per capita income, the bulk of it is spent on consumption. An increase in income causes an increase in their share directed to savings, which serve as a source of investment resources. Consequently, an increase in the share of savings causes a corresponding increase in the volume of investments and vice versa

Secondly, has a significant impact on the volume of investments expected rate of net profit. This is due to the fact that profit is the main motivator for investment. The higher the expected rate of net profit, the correspondingly higher the volume of investment will be, and vice versa

Third, The interest rate also has a significant impact on the volume of investments. In the investment process, not only own but also borrowed capital is often used. If the expected rate of net profit exceeds the loan interest rate, then, other things being equal, the investment will be effective. Therefore, an increase in the interest rate causes a decrease in investment and vice versa.

Fourth, among the factors that have a significant impact on the volume of investments, the expected inflation rate should be noted. The higher this indicator, the more future income from investments will depreciate and, therefore, there will be less incentive to increase investment volumes. This factor plays a special role in the process of long-term investment.

Forms of investment are classified according to the following criteria:

1. By investment objects allocate real And financial investments.

Under real investments understand investing in real assets - both tangible and intangible (for example, innovative investments).
Under financial investments understand investing in various financial instruments (assets), among which the most significant share is occupied by investing in securities.

2. By nature of participation in investment allocate straight And indirect investments.

Under direct investments understand the direct participation of the investor in the selection of investment objects and investments. Direct investment is carried out mainly by trained investors who have fairly accurate information about the investment object and are well acquainted with the investment mechanism.
Under indirect investments means investment mediated by other persons (investment or other financial intermediaries). Not all investors have sufficient qualifications to effectively select investment objects and subsequently manage them. In these cases, they purchase securities issued by investment or other financial intermediaries, which the collected investment funds place at their discretion, i.e. select the most effective investment objects, participate in their management, and distribute the resulting income among their clients.

3. By investment period differentiate short-term And long-term investments.

Under short-term investments Usually understand the investment of capital for a period of no more than one year.
Under long-term investments understand the investment of capital for a period of more than one year. In the practice of large investment companies, they are detailed as follows: up to 2 years; from 2 to 3 years; from 3 to 5 years; over 5 years.

4. By forms of ownership investors are allocated investments private, state, foreign And joint.

5. By regional basis allocate investments domestically and abroad.

Under investments within the country(internal investments) imply investing funds in investment objects located within the territorial borders of a given country.
Under investments abroad(foreign investments) understand investments in investment objects located outside the territorial borders of a given country (these investments also include the acquisition of financial instruments of other countries).

Investment activities represents the process of investment (investment of capital) and a set of practical actions for the implementation of investments. Firms accumulate capital in the process of production activities. A firm's investments in additional means of production and profit are called investments.

Before making a decision on capital investments, a company needs to calculate their economic efficiency.

Economic efficiency - relative a value that is calculated as the ratio of the effect to the costs incurred.

The effect may be increased profits, reduced costs, increased labor productivity, improved quality, increased production volumes, etc.

Payback period- this is the minimum time interval from the start of the project, beyond which the integral effect becomes and then remains non-negative.

Investments do not give effect immediately, but only after certain periods of time, i.e. when the designed efficiency is achieved.

The time gap between the implementation of the project (investment of capital) and obtaining the effect is called lagom. The shorter the lag, the higher the efficiency.

Investment objects can be:

enterprises, buildings, structures (fixed assets) under construction, reconstruction or expansion;
programs at the federal, regional or other level. In this case, as a result of investment, complexes of objects under construction or reconstruction can also be created, focused on solving one problem (program);
production of new products (services) on existing production facilities.

The set of works performed to justify the effectiveness of investments in an enterprise is called investment project. An investment project for a specific enterprise is a system of organizational, legal, settlement and financial documents containing a program of actions aimed at the effective use of investments.

Preparing an investment project is a long and sometimes very expensive process, consisting of a number of acts and stages. In international practice, it is customary to distinguish three main stages of this process: Preinvestment; investment; operational.

The period of time between the moment a project appears and its liquidation is called project life cycle. Pre-investment phase contains four stages:

search for investment concepts (business ideas);
preliminary preparation of the project;
final formulation of the project, assessment of its economic and financial acceptability;
final consideration of the project and making a decision on it.

Investment phase includes a wide range of consulting and design work, mainly in the field of project management. Project management is the process of planning, organizing and controlling the distribution and movement of human, financial and material resources throughout the entire life cycle of a project. Project implementation is ensured by project participants. The main participant in the project is the customer, represented by the organization for which the project is being carried out.

Methods for assessing the effectiveness of investment projects are ways of determining the feasibility of long-term capital investment in various objects in order to assess the prospects for their profitability and payback.

Currently, the generally accepted method for assessing investment projects is discounting method, i.e. bringing income and expenses at different times within the framework of an investment project to a single (base) point in time.

The effectiveness of the project is characterized by a system of indicators reflecting the ratio of costs and results in relation to project participants.

The assessment of upcoming costs and results when determining efficiency is carried out within the calculation period, the duration of which is called “calculation horizon”. The calculation horizon is measured calculation steps, and the calculation step when determining efficiency is a month, quarter or year. All calculations are carried out in base, forecast and settlement prices.

When assessing the effectiveness of investment projects, the comparison of indicators at different times is carried out by reducing (discounting) their value to the initial version. To bring all costs and benefits, it is used discount coefficient(same as reduction factor) L t is calculated as follows:

Lt— reduction coefficient;
E— discount rate;
t— calculation step number (time period, which is defined in years, quarters, months).

The discount rate is determined equal to the rate of return on capital (interest rate, which is determined by the Central Bank).

Based on it, the following four criteria are calculated:

1. Net present value (netpresentvalue — NPV) or net present value (NPV), equal to the integral effect is determined by the formula:

Rt— the result achieved at the t-th calculation step;
Z t— costs at the same step (for the same period);
T— calculation horizon

I— investment costs;
CF— net cash income for the period of operation of the investment object (cash flow);
E— discount rate;
t— step of the billing period.

The essence of the criterion is to compare current value future cash receipts (present value - PV) from the implementation of the project with the investment costs necessary for its implementation.

Net cash income is calculated in one of three alternative ways:

by net profit;
by net profit taking into account depreciation;
on net profit taking into account depreciation and liquidation value of fixed assets.

If the current value

there will be more investment costs, i.e. If the net present value (NPV) is positive, this corresponds to the feasibility of the project, and the higher the value of the criterion, the more attractive the investment project.

2. Project profitability (Profitabilityindex — P.I.) or return index (ID) represents the ratio of the sum of the reduced effects to the amount of capital investment.

TO— the amount of discounted capital investments

Kt— the amount of capital investments at the t-th step (in a certain year, month, quarter).

Obviously, the value of the criterion PI > 1, indicates the feasibility of implementing the project, and the more P.I. exceeds 1 , the greater the investment attractiveness of the project.

3. Payback period (Paybackperiod — P.B.).

The point is to determine the period of time necessary to recoup the investment, during which the return of the invested funds is expected from the income received from the implementation of the investment project.

There are two calculation methods:

a) the amount of initial investment is divided by the amount of average annual cash receipts. Applies when cash receipts are approximately equal over the years:

Where I 0 initial investment.

b) from the amount of the initial investment, cash receipts are cumulatively subtracted until their difference becomes equal to 0. Accordingly, this period is the payback period for the investment.

4. Internal rate of return (Internalrateofreturn — IRR) or internal rate of return represents the discount rate E in at which the magnitude of the reduced effects is equal to the reduced capital investment

Evn— internal discount rate.

Let us give two definitions of this criterion.

a) The internal rate of return is understood as that calculated interest rate at which the capitalization of regularly received income gives a money supply equal to the investment, and, therefore, the investment is a profitable operation.

b) Indicator IRR represents a verification discount at which the return on an investment project is equal to the initial investment in the project.

Or in other words, when the discount rate that brings investment costs and net income to one point in time becomes the value at which they are equal and correspond to the concept of the internal rate of return of the project ( IRR = E).

None of the above indicators is sufficient in itself to make a decision about the project; they must be taken into account All indicators, taking into account opinion all participants project, opinions on budgetary efficiency plus socio-economic, environmental. and other factors (political).

The given system of indicators reflects the ratio of costs and results in relation to the interests of its participants, and to determine the effectiveness of the investment project as a whole, indicators of commercial, budgetary and economic efficiency are calculated

The commercial effectiveness of a project is determined by the ratio of financial costs and results that provide the required rate of return. Commercial viability calculated both for the project as a whole and for its individual participants.

When calculating commercial efficiency The net liquidation value of the object is also determined, which is the difference between the market price and taxes.

Book value of an object is defined as the difference between initial costs and accrued depreciation.

A necessary criterion for accepting an investment project is a positive balance of accumulated real money in any time interval where a given project participant incurs costs and receives income, and NPV, IRR, and ID are additionally taken into account.

Economic activity is subject to uncertainty, as it is associated with the market situation, the behavior of other organizations (enterprises), their expectations and decisions. Any investment activity contains a certain amount of risk, which the entrepreneur assumes. When achieving the goals of an investment project, unforeseen circumstances may arise. These unforeseen circumstances or dangers are usually called risks.

When evaluating projects, the following types of uncertainty and investment risks seem to be the most significant:

Risk of instability of economic legislation and the current economic situation;
Foreign economic risk(introducing restrictions on the supply of goods, closing borders;
Uncertain political situation and unfavorable socio-political changes in the country, region;
Fluctuations in market conditions, exchange rates prices;
Uncertainty of natural and climatic conditions;
Production and technological risk(equipment failures, accidents, etc.) [must rely on the latest models of equipment];
Uncertainty of goals, interests and behavior of participants;
Incomplete or inaccurate information about the financial situation and goals of the participants.

To take into account uncertainty and risk factors, it is recommended to use the following methods:

sustainability project method;
method - adjustment of project parameters and economic parameters;
formalized description of uncertainties.

The first method involves the development of various options for project implementation scenarios, and for each option it is examined how the economic and organizational mechanism for project implementation will operate. Income and expenses, losses for all participants are determined. A project is considered sustainable and effective if the interests of all its participants are respected in all cases. In this case, the degree of sustainability is determined by the maximum level of sales volumes, the level of prices, income, costs, etc., and the break-even point must be calculated.

In practice, to assess risk, the break-even point is calculated.

The break-even point is understood as the level of production volume, business activity, sales at which total costs are equal to total revenue, i.e. total current expenses are equal to total income from the project.

Q— the amount of production required to reach the break-even point;
And post— semi-fixed costs;
And per— conditionally variable costs per unit of production;
C— price per unit of production.

Based on the calculation of the break-even point, the level of the safety range is determined:

U r— level of profitability reserve (safety);
Q prog— projected sales volume.

The lower the safety margin, the higher the risk.

The uncertainty of the second method takes into account the timing of the construction of the project and the implementation of construction and installation work, the average duration of construction, the average value of construction costs, late receipts of funds, irregular supply of raw materials and equipment, and economic efficiency standards.

The most accurate, but also complex, is the third method. It involves the following steps:

description of the entire set of possible conditions for the implementation of the project;
transformation of initial information into relevant economic indicators;
determination of performance indicators for the project as a whole, taking into account uncertainties.

In this case, the expected integral effect is calculated (for the project as a whole):

E l.ef.— expected integral effect;
E i— integral effect under the i-th condition of project implementation;
P i— probability of realization of this condition.

The most effective option is considered to be the one where the expected integral effect is minimal.

To combat risk, there are the following methods used in the investment phase of the project:

distribution of risk between project participants (transfer of part of the risk to co-executors);
insurance;
reserving funds to cover unforeseen expenses;
neutralization of private risks;
reducing risks in terms of financing.

Practically risk sharing implemented during the preparation of the project plan and contract documents. It should be remembered that the greater the degree of risk the project participants are going to assign to investors, the more difficult it will be to find investors. Therefore, project participants must show maximum flexibility in the process of negotiations with the investor regarding how much risk they agree to take on.

Risk insurance there is essentially a transfer of certain risks to the insurance company. This is usually done through property and casualty insurance.

Reserving funds Contingency coverage is a method of dealing with risk that involves establishing a balance between the potential risks affecting the cost of the project and the amount of expenses required to overcome failures in the implementation of projects. For this:

An assessment is made of the potential consequences of risks, that is, the amounts to cover unforeseen expenses;
The structure of the reserve to cover unforeseen expenses is determined;
Determine for what purposes the established reserve should be used.

It is important to note that part of the reserve should always be in the hands of the project manager.

By private we mean risks related to the implementation of individual stages (work) of the project, but not directly affecting the entire project as a whole.

Sequence of steps when using the private risk method next:

The risk that is of greatest importance to the project is considered;
Cost overruns are determined taking into account the likelihood of an adverse event;
A list of possible measures aimed at reducing the importance of the risk (reducing its likelihood or danger) is determined;
Additional costs for the implementation of the proposed measures are determined;
The required costs for implementing the proposed measures are compared with possible cost overruns due to the occurrence of a risk event;
A decision is made to apply anti-risk measures;
The risk analysis process is repeated for the next most important risk.

Risks in terms of financing.

The project financing plan, which is part of the project plan, must take into account the following types of risks:

risk of project non-viability, that is, investors must be confident that the expected income from the project will be sufficient to cover costs, pay off debt and ensure a return on investment;
tax risk includes the inability to use, for one reason or another, tax benefits provided by current legislation; changes in tax legislation; Tax service decisions that reduce tax benefits. Typically, investors protect themselves from tax risk through appropriate guarantees included in agreements and contracts;
risk of non-payment of debts may occur when there is a temporary decrease in income due to a short-term drop in demand for the project’s products or a decrease in prices for them. To overcome such risk reduction measures as the formation of reserve funds, the possibility of additional financing of the project, deductions of a certain percentage of proceeds from the sale of the project product are used;
risk of unfinished construction. Investors are concerned about the risk of additional costs associated with late completion of the project's construction base due to inflation, currency fluctuations, environmental issues, and government regulations. Therefore, before construction begins, project participants must come to an agreement regarding guarantees for its timely completion.

The presence of accumulated funds leads many to the idea that they should not just lie there. They need to be actively increased by various methods. And of course, investments are considered one of the most rational options, since they allow you to get the benefits of active growth of the money supply with minimal investment of time and effort. Moreover, at the moment you can invest even with minimal capital. At the same time, the very essence of investing is quite complex. You need to have certain knowledge of a financier, economist, and also a political scientist in order to make profitable investments that can fully justify themselves. Naturally, you will have to spend a lot of time to master all the necessary basics, which will become the basis for success. But even detailed and thorough preparation will not help to avoid possible risks.

This state of affairs has made investment companies incredibly relevant and in demand, since they are actually able to provide services that expand the range of opportunities for each person. Such organizations engage in collective investments. They accept funds from different clients, diversify them, and then make smart investment decisions. Let’s say right away that such companies employ experienced specialists who find the ideal combination between the expected profit, as well as possible risks. It is this approach that allows investors to receive fairly stable growth in their finances. It is quite obvious that there are certain risks here too; it is for this reason that it is important to approach the issue of choosing a company to which you could entrust your funds extremely carefully and competently.

The advantage of such companies is that you can start investment activities with a minimum amount. At the same time, let’s immediately say that there is no need to dive into the complex process of studying the nuances, details and minutiae of trading financial products. Experienced specialists will do everything for you. In addition, you will not need to enter into any transactions yourself and actually take risks due to your ignorance. Companies charge a certain commission for their work. Let’s say right away that in such a situation the cost of services will actually be minimal, especially when compared with the cost of the same consulting services on financial issues. The effectiveness of such cooperation will be quite significant.

The services of investment companies have now become incredibly relevant. And in fact, they are in demand among those people who strive to obtain guaranteed profits with minimal financial investments - with minimal capital. True, it is very important to competently and correctly approach the choice of a company with which it would really be profitable to cooperate.

When choosing an investment company, you definitely need to pay attention to the ratings, which are primarily based on the reliability of the company and the longevity of its work in the country. You also need to evaluate the availability of official government documents. After that, proceed to study customer reviews, which will be able to tell in more detail about all the shortcomings and advantages of the company. However, do not forget that the opinions of the people who write reviews are subjective, so only use information that actually has an unbiased context.

What is an investment company and its main functions

Investment companies are specialized organizations that are aimed at making collective investments. Such investments are made exclusively in valuable assets. Most often, such assets are presented in the form of bonds and shares. The main functions of such companies:

Diversification of deposits;
Management process.

That is, it is initially assessed how profitable certain investments will be. All possible risks that may arise as a result of a particular investment must be assessed. Only on the basis of the data obtained is a choice made, which, as a rule, allows investors to receive a stable profit.

The company’s specialists also carry out the process of competent investment portfolio management. That is, operational decisions are made on their implementation, on investing in other attractive assets, etc. Such actions are also based solely on a detailed assessment of the situation, and the prospects for growth and risk are also assessed. Thanks to this approach, risky investment activities are almost completely eliminated Money.

In the process of carrying out investment activities, the funds that various investors invest in the work of companies are used, and the funds of the founders are also used. In other words, the company offers legal entities and individuals to use their services in order to receive priorities for increasing funds. Each person, by investing in the work of the company, becomes an investor. Clearly defined conditions are provided on the basis of which funds are paid in the form of dividends, terms are indicated, etc. That is, contractual relationships are drawn up, which already ensures a certain protection of the interests of the investor.

Also, many investment-type organizations are considered full-fledged legal entity, precisely for this reason, they have the right to carry out the procedure for issuing their own shares in order to subsequently, based on this aspect, attract additional funds for subsequent reinvestment. This structure of work is actually used quite often, which allows buyers of shares to be confident in receiving, albeit small at first, but stable profits, and allows companies to acquire sufficient funds for active work in investment projects.

There are also many such organizations operating in our country that offer potential clients the prospect of significant profits through passive investing. A person invests funds, and all investment actions will be carried out by experienced and knowledgeable specialists who will evaluate each investment separately as rationally as possible.

To start such activities in the country, a company must have a dealer or broker license. It also needs to be said that in accordance with the standards legislative framework, such companies can additionally act as credit institutions. Such institutions are called investment-type banks, and investing in them will be very profitable.

All investment plan companies are divided into two main categories:

Closed type options. Such organizations provide development opportunities exclusively for the founders. A company is formed, founders are attracted, and only their funds are used in the company’s work. Such companies have a fixed capital structure. We will certainly say that in order to become the founder of a company, you need to have a sufficiently significant amount of funds to invest them in authorized capital. That is, to make an investment, on the basis of which financial instruments will be purchased in the future. Not every person can afford the opportunity to become a founder due to a number of features of these companies;
Open type options. It is these companies that have the most significant aspects of relevance. Such organizations skillfully increase their own budget by issuing new shares. Third-party investors are also involved and provide their funds for trust management. An incredible number of companies of this type have appeared today. But, novice investors should understand perfectly well that they will have to evaluate in more detail all the nuances and important aspects of the companies’ work in order to choose the best offers for their specific case.

Of course, investment companies are able to offer their potential clients various terms of cooperation. We should not forget that there are many scammers in this case. If you see that a company does not have a license to carry out professional activities, but offers you incredible interesting conditions cooperation, you should refuse such an offer, since most likely this company will simply disappear after a while with your money.

Principle of operation

Such companies are actively developing abroad. And most often they act as an element of trust management. For example, when playing Forex, a person can make bets on his own, or he can entrust his funds to a more experienced trader. The same goes for investment companies. They provide services that allow investors, with minimum level investments, start making money on the stock markets. For example, starting your business with $100 on your own is extremely difficult, but this amount can be entrusted to management in order to significantly expand the deposit without certain risks.

The operating principle of such companies:

Initially, investors are attracted and provide their funds for trust management. Certain minimum investment amounts may be established. A cooperation agreement is presented, which clearly describes all the obligations and rights of the parties;
Investors provide funds for trust management. The company carries out the process of analyzing the financial market. It also conducts research into the current situation of other companies in order to be able to intelligently approach the issue of using shares, taking into account their current value and possible growth. In this situation, specialists work on the principle of choosing an investment option with the lowest possible risks and maximum benefits of growth and development;
The Company uses investor funds at its own discretion. That is, investors do not make any decisions regarding the purchase of certain financial instruments. Investment decisions are made exclusively by company employees. The risks that arise as a result of such transactions are borne by investors. That is, if some investments do not give the desired result, this does not mean that the investment company will compensate the lost benefits to investors;
For a company, having a maximum number of investments ensures a simpler and easier process of entering the stock market. It often happens that in order to make investments that have significant advantages, a very significant amount is needed. The company uses its own funds and investors' funds to invest in certain assets. Thus, an opportunity is formed to obtain quite significant benefits that were previously unavailable, both to the company and to investors.

For the investor in this case, there are two main prospects. You can invest funds for trust management, that is, provide the opportunity for company employees to independently decide which investments will be made and pay a certain percentage of each transaction. Or you can make a one-time purchase of shares of an investment company and in the future receive exclusively dividends, without making larger investments and without monitoring each transaction, since your funds are invested in the company itself, and if it is successful, then your profit will be stable and significant.

How to choose an investment company?

The process of selecting an investment company is based on the need for a detailed assessment of all criteria and ratings. Storing money at home is an irrational use of it. It will be much more profitable to invest in certain investments. After all, this way you can significantly increase your funds and even gain financial independence. But, if you decide to cooperate with investment companies, then you need to approach the issue of choice extremely carefully and competently in order to find cooperation options that can provide you with stability. We recommend following these tips:

Carefully study the company's website. Let us draw your attention to the fact that all modern companies that deal with investment issues have their own online resources. It is for this reason that you have an excellent opportunity to evaluate in detail all the nuances of interaction, taking into account special conditions. We certainly note that if the site is designed quite concisely and neatly, if sufficiently significant funds have been allocated for design and navigation, then in this situation it becomes obvious that the owners have tried to do everything possible to ensure that their resource is actually an assistant for clients;
Duration of the company's activity. It should be said right away that the first investment companies appeared back in 1992. Accordingly, it becomes clear that there are companies that actually operate for quite a significant amount of time, maintaining aspects of high relevance and significant customer trust. Information about the company can be found in specialized directories. If such data is not available, then this means that you are dealing with a company that is just starting its work in this field of activity, or a fraudulent organization that should not be trusted with your funds. In fact, it is better to choose less attractive investment conditions, but be sure that the company has been operating for more than a year and has proven itself exceptionally well during its operation. It is very important for beginners to competently approach the issue of studying the history and reputation of the company; there are also specialized archives through which you can learn about all the nuances of the company’s work over a significant amount of time;
We determine the category of returns. Of course, there is no investment without risk. And even banks often collapse and do not return deposits. It is for this reason that it must immediately be said that finding an investment company that can provide maximum protection against risks is almost impossible. Let’s say right away that there are certain categories of safe returns for investments. For example, there is a return of a fixed type, which determines the amount of profit in accordance with the norms of the contract. There are variable returns that are based on market activity. In principle, the most rational solution is to receive a fixed profit. However, it must be borne in mind that its amount is rarely more than six percent. It is for this reason that most investors prefer the variable option, which, although it has a significant amount of risks, at the same time allows for the prospect of significant profits;
Number of investors. This factor is of no small importance. Let us draw your attention to the fact that the more clients a company has, the higher the trust in it. If the number of partners and clients is insignificant, then in this case it is determined that the company has either just recently started its professional activity, or investors, for certain reasons, do not trust her. If this is the impression, then it is best to refuse cooperation;
We analyze financial instruments. If the site has various options for depositing and withdrawing funds, then this is a clear sign of the reputability of the organization. You must understand that the presence of different methods of input and output is an indisputable sign of the presence of a significant number of partners;
Registration documents. You should also carefully study certain certificates, licenses, and other documents reflecting state registration. Please also pay attention to the presence of awards and diplomas. The more such information is made freely available on the site, the better. The authenticity of documents can be verified by visiting specialized tax inspectorate websites. This way, you can make sure that we are talking about a company that is actually officially registered in the country;
We determine the amount of profit. Naturally, almost all investors strive, first of all, to get an adequate answer to the question of what the level of earnings will be. Public companies most often provide accurate information about the profit, as a percentage of the investment used. All types of risks are also indicated.

Rating of current companies

TeleTrade is whole group companies whose activities are focused on various areas. The most important thing is that investors' money here is managed by experienced and knowledgeable traders who invest in both long-term and short-term prospects. Among the advantages that are significant are more than twenty years of work in the market, as well as providing clients with the maximum amount of training materials. All information on transactions is available to investors;
Simex is a unique investment platform that focuses exclusively on online deposits. This platform was created for residents of many countries. It offers the opportunity to invest in startups, HYIPs, existing businesses, shares and currency;
Barrel is a very reliable company that has been working in this field for many years. This company is able to provide potential clients with a unique service - an individual investment account. Here you can also find a lot of educational information that will help you become an independent investor in the future;
"InvestMir" - the company focuses on profitable investments that relate to developing sectors of the economy. Cooperates with various, very large investors. Focuses on a stable income and participation in the economic situation in the country. Has a high return rate, provides insurance services to increase customer safety;
Russ-Invest is a very popular company that has serious capital and also provides an incredibly extensive list of investment products. Many believe that this particular company is the most rational and optimal option for profitable investments, since it combines the use of advanced investment techniques, works only with experienced and skillful traders, offers the possibility of additional risk insurance, etc.

Why choose an investment company?

Naturally, you can work independently and make quite profitable investments. But on the other hand, you must understand that the best rates require serious investments. That is, if you do not have such significant investment capital, then you are unlikely to be able to operate with truly liquid assets. Accordingly, such investments will not be profitable from certain positions.

As for cooperation with large companies, in this case, you provide funds for trust management. They will be operated collectively. Funds from various investors are collected and used to purchase certain financial instruments. This means that you get the benefits of more substantial earnings, and with minimal risks. But, in this case, the most important thing is to choose the right investment company.

Investment companies are companies engaged in investing their own or other people's money into something with the aim of further increasing it.

All investment companies can be divided into 2 types: closed companies and open (for private investors).

Closed-end investment companies- these are those that do not accept money from private investors. These companies work only with their own money or money borrowed from the bank. In short, they are not involved in trust management and we are not interested in them as investors.

Open investment companies- these are companies that accept investments from private investors for trust management, i.e. you can give (entrust) your money to this company, and they will manage it, investing it somewhere, with the aim of further increasing it and making a profit on your money (currency market, stock market, business, etc.).

Open investment companies that provide trust management services- these are exactly the companies that we, as private investors, are most interested in, and with which we can and should work, since it is thanks to such companies that an investor can create for himself unlimited amount sources of passive income and get more free time in your life.

The monthly profitability that you can receive in investment companies can range from 1% per month to 100% per month. It depends on what type of company you choose and how much risk you are willing to take. Typically, the higher the return, the higher the risk.

Types of open-end investment companies

All open investment companies that provide trust management services can be divided into 3 main types:

Real remote control- these are companies that actually manage your money. They can confirm their trading or any other activity with facts - reports, monitoring of trading accounts or direct display of accounts.

In such companies, in 90% of cases, the investor receives the real profit that their money earned.

- these are companies that only say that they manage your money, but their words are in no way confirmed by real facts that cannot be faked. Very often, such companies falsify documents, reports, staymen, etc. Their task is to make you believe that they are serious guys and should be trusted.

In such companies, in 80% of cases, profits are accrued to investors due to the influx of new investments from other investors. As a rule, investors' money does not work anywhere in such companies, and the profitability is simply drawn by the administrator.

Sometimes in such investment companies, part of the investor’s money is used in some activity, for example, trading on the Forex market, in order to show investors the stakes and monitoring - they say, “See! We really trade Forex! Your money is in circulation! We’re not lying to you!” 20% are in circulation and 80% are just sitting on the account. That is why I classify such companies as “Pseudo Remote Control” (hybrids, not pyramids and not Real Remote Control, but something in between).

- this is the most common type of investment company today!

As a rule, such companies do not even bother to provide investors with any evidence and facts indicating that investors’ money actually works somewhere and brings profit to their owners.

In 50% of cases, the organizers openly say that their company is a financial pyramid, and in another 50% of cases they only say that we are not a pyramid, but as a rule they do not provide any facts to confirm their words they can.

How to work with investment companies

With all these companies (Real remote control, Pseudo remote control, Financial pyramids) you can and should work, but before you start doing this you need to understand a few very important things:

Before you learn to do anything well (drive a car, fly an airplane, build houses)
- this needs to be trained, and not just for one month.

You will not learn to fly an airplane from the 1st, 2nd, or even the 10th try, no matter how much you want it and no matter how easy it may seem to you. The probability that you will crash when trying to learn to fly an airplane on your own is 100%.

In order for you to be able to learn how to fly an airplane with the highest quality and in the shortest possible time, you need a good teacher who has flown this thing himself dozens or even hundreds of times.

It is possible that you can learn to fly an airplane on your own, but imagine what it will cost you? (time, money, accidents, aircraft repairs, etc.)

You can learn how to make money in any investment company, and it doesn’t matter whether it’s a financial pyramid or a company that deals with real trust management. The essence of the work of these companies is the same, only the principles and rules of their work differ slightly.

You need to start investing your money with minimal amounts ($50-$100). At the beginning of your journey, you will definitely have losses, and you must be prepared for this. Losses of small amounts are much easier to bear than losses of large ones.

Training and working with investment companies can be compared to training and flying on an airplane.

The higher the speed of the aircraft, the:

It is more difficult to learn to fly on it;

The likelihood of an accident increases significantly;

You can reach your destination faster;

The lower the speed of the aircraft, the:

It's easier to learn how to fly it;

The likelihood of an accident is reduced significantly;

It will take you longer to reach your destination;

The situation is similar in investment companies:

The lower the profitability of the company, the:

It’s easier to learn how to work with these companies;

There is less chance that you may lose your money in the near future;

Achieving your goal will take you longer;

The higher the profitability of the company, the:

It is more difficult to learn how to work with it;

The likelihood of losing your money increases significantly;

You can achieve your goal faster;

But you need to understand, even if you make up your investment portfolio from low-risk and low-yield instruments, for example, all your money will be in different banks, then you still need to keep your finger on the pulse, because if you fall asleep during the flight at the helm, then after some time your plane will definitely crash, despite the fact that you had a minimum speed.