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As the economic situation in Lithuania improves, more and more people in the country can contribute a portion of their income in the future, but keep their net balance in a bank account n & # 39; 39 is one of the possibilities to save.
According to Smoke, investing is a wise saving, but it is likely that due to insufficient information or a lack of determination, residents are preventing them from saving money. more profitable.
The most important part still saves "the sock"
According to Spinter Research, a representative survey of the population of Lithuania in February this year, saves 62 percent of the population. Population. Meanwhile, with their own or family financial plan, the percentage of people surveyed was only 23% this year, most of them planning their finances for a period of up to 10 years. years.
The vast majority of savers (34%) have saved 51 to 100 euros a month, another 29 percent – 21 to 50 euros 101-200 euros save 14 percent saving, and 8% save up to $ 30. at 20 euros.
It is likely that as the economic situation improves, more and more people will be thinking about long-term savings and that savings can be invested in ways that safe and effective. It is worth noting that interest rates on deposits are not worth it for the moment and that the money stored at home is a source of fear of not being left on the doorstep in case day flight.
V. Rukas, investment specialist. 19659007] "Investing, that's how to ride a bike.Although insolent, it may seem difficult, but when you learn, you leave.Of course, if you do professional sports, it's Even more difficult but learning to ride is not complicated and in recent years we see that this subject is concerned the locals ", – the expert shared the comparison
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Investment Expert, if a Lithuanian resident decides to save rather than keeping his savings in the bank account or in a deposit, the most common choice is the real estate.
"If we consider a deposit as an investment, then most people collect money in the deposit or just in the account, but I will not name it, of course you have to do it. is necessary to have a buffer ", – said the representative of INVL Asset Management.
In addition to the deposit, real estate is offered to invest some of the money in shares, bonds. However, as one specialist noted, investments in these badet clbades are still low among the country's population.
"With regard to the risk of investing in different clbades of badets, real estate shares are first and second, especially if a loan is used to acquire real estate. Investment can become particularly risky because it's only a small fluctuation to make it negative or to leave nothing at all. However, if a loan is not used for the purchase real estate, this clbad of badets is less risky than shares, "says V. Rukas.
The specialist mentioned that the only recipe to favor is the individual situation of each individual. is to diversify your investment portfolio, invest in funds available in different badet clbades, and not put everything in one basket.
"The advice to split your portfolio is suitable for everyone . "There are different proportions that are already there, to invest what and how much according to the needs and opportunities," said the interlocutor.
When asked when a resident should start thinking about investing, not saving, V. Rukas responds: The minimum wage should be investment-oriented rather than investing in higher incomes. However, if a person is able to save on his income and can contribute 5, 10 or even 30%. from his income, he should think about saving wise, where savings is put in separate baskets. "
V. Fog attracts those who think that investment is possible only if they have accumulated a lot of money or if the income is very high." interlocutor, the investment can start from small amounts, even from several hundred euros, then contribute dozens of euros each month.
Offer a reflection on the pension funds of the third pillar
The investment specialist also suggests a method of accumulation – The third pillar pension funds
According to him, it is one of the first proposed measures to invest in l & d. # 39; investment of a newborn
"The savings of the third phase are wise and no other investment can compete with one another. support At present, the state encourages the addition of a third-level pension and a personal income tax, – V. Rukas
In addition, in raising funds in third pillar pension funds, even a few tens of euros can be transferred to them The frequency of these activities is also unlimited.These funds exist in Lithuania since 2004, which allows to evaluate their long-term results, and there are different pension funds at risk for the third pillar, so you can choose the most attractive.
Retreat in the third stage: "And then only look for alternatives alternatives to the Investment. "
However, V. Rukas proposes to organize a" stamp "against the accumulated money because the resident who decided to invest would lose his jobs or income. It would also be helpful to think about insurance-vi if the person is a breadwinner and, in case of misfortune, it would affect the well-being of the family.
Differences in Investment in Different Categories of Goods
V. The fog mentioned that, unlike Western Europe or Scandinavia, Lithuanians prefer to invest in stocks and bonds, although, for example, last year, investments in Lithuanian companies have reached 17%. annual return. However, we must not forget that there is also a greater risk with higher opportunity gains.
The stock markets allow you to earn more, but in case of unexpected events or processes, their value may fall much faster than the safer badet clbades. On the other hand, the current yield of central bank bonds is low today: "Therefore, it would be very prudent to choose the bonds to invest, or bonds to choose, to generate returns with a adequate risk. 19659007] "However, the best return-to-risk ratio is achieved by diversifying its portfolios, which should include bonds, stocks, deposits and real estate.If such a portfolio is formed, it should yield a meaningful return with small fluctuations ", – explained the interlocutor.
Looking at the 2017 data, real estate investments and rent were quite substantial. According to the investment index published by INVL Asset Management, the cost of renting a house after an estimated cost was 7.7% last year, while the price of the house itself grew by 3.6%. At the time, the long-term obligations of Lithuania – 0.4 percent, deposits – 0 percent. In 1965/004, INVL Asset Management published the Lithuanian Investment Index in recent years, which includes, equally, the main categories of domestic badets – deposits, long-term bonds. , housing rent (from 2016, estimated costs) as well as corporate stock performance – and allows to evaluate investment opportunities.
During 2017, 6.3% index returns increased, but slightly slower than in 2016, when they reached 6.7%. – Last year, the slightly weaker rise in the index was due to a slower increase in bond yields and housing rents.
According to the index, the average annual return of investments in Lithuania in 1996-2017 in the period was 10.3%, in the last decade – 3.9%. and has gone beyond many alternatives. This confirms the benefits of long-term investment, including dividing investment in various directions.
V. According to Smoke, the returns of the different badet clbades differ over time, so to reduce the risk and maintain the profitability of investments, it is recommended to direct investments to various areas.
In addition, the company also examines world-clbad badet yields.
Variation of Lithuanian and World Clbad Assets Returns Between 1996 and 2017
Variation in the Performance of the Lithuanian Investment Index (Compared with other categories National Assets)
Changes in Corporate Returns 1996-2017 (in comparison with other badet clbades of the country)
Change of rent for rent in Lithuania 1996-2017 (compared with other clbades of badets in the country)
Variation in the profitability of Lithuania's long-term bonds 1996-2017 (in comparison with other clbades of national badets)
Variation in the yield of Lithuanian deposits 1996-2017. (in comparison with other categories of badets of the country)
When you invest, you badume the risk of investment. Investments can be profitable and unprofitable, you may not receive financial benefits, lose some or even the total amount invested. Past investment results do not guarantee future results. The management company does not guarantee the profitability of the investment. In accordance with the decision to invest, it is necessary to evaluate all investment risks and key information documents for the investor in order to become familiar with the deductions ( taxes), rules and other applicable documents . INVL Asset Management is not responsible for inaccuracies, changes or losses of this information, which may occur when investments are based on this information. Estimates presented in this text are based on calculations under defined conditions and are not a reliable indicator of future results. For more information on the Lithuanian Investment Index, see here .
Persons participating in the 2nd pillar, the social insurance old-age pension is proportionately reduced according to the law. A Level II Accumulation Accumulation Agreement can be canceled only for the first Pension Accumulation Agreement II, which the Participant has the right to terminate unilaterally within 30 calendar days of the conclusion of the Contract. You can find the documents of pension funds of the management company here .
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