FX.co ★ Top-7 safest investments

On the way to success, market participants keep asking: how not to be mistaken in choosing an investment object? Where better and safer to invest money and to achieve accumulation of your capital funds? Experts reviewed the situation and tried to answer these questions, providing a list of the most relevant investments in terms of safety.

Saving accounts

This method of keeping money is considered to be simple, convenient and time-proved by experts. Saving accounts are recognized as one of the most reliable ways of investment, and also because money can be withdrawn at any moment. In addition, clients are guaranteed a certain percentage of their own funds.

Deposit accounts

This account type is also considered to be one of the safest in terms of money investment by specialists. It is a deposit, funds of which cannot be withdrawn during a defined period. Bank can use money of the client, but after the expiry of the time limit provided for in the contract, the money must be returned to the depositor. The feature of a deposit account is an interest accrual for keeping funds. It should be noted that the interest rate on deposit accounts can be much higher than on saving accounts.

Interest on current account

Current accounts lose out to saving accounts, as they have a lower interest rate. Nevertheless, experts believe that they can also give a good percentage. Current accounts has an important advantage - money can be withdrawn from such accounts at any moment. According to experts, this method is appropriate for personal savings.

Deposit certificate

According to experts, another reliable investment object is a deposit certificate. This is a type of securities, that certify the depositor's right to receive invested funds and accrued interest at the end of its validity period. The deposit certificate's duration is determined by the issuing bank. Upon the expiration of a duration, it transforms into a demand deposit. By then, experts advise to invest in a new deposit certificate in order to make a sizable profit when interest rates increase.

State bonds

According to analysts, bonds are one of the safest instruments for investment, as they are supported by the state. Payments on these bonds are impossible only if the state defaults on its debts, but it is unlikely. Government usually offers high interest bonds, the size of which exceeds the interest on a usual bank deposit. Every year the rate increases, that makes this purchase profitable in the long term.

Short-term investment funds

According to experts, this type of investments can well bring a return, you only need to assure yourself of the reliability of a fund. The experts point out that investments in short-term securities imply lower risks.

Investment funds

Investments in such funds have a number of advantages, one of them is no need to constantly monitor the market, entrusting it to professionals. Many experts note that such investments can not be considered absolutely safe, since there are always some risks in the market, which are difficult to be properly responded. However, when choosing an investment, you should not limit yourself. Experts recommend to use several ways of investing in order to ensure a stable income.