Invest thousands to grow to millions ✨

Invest thousands to grow to millions ✨

For this article, we will present about the subject of investment to leave each other. If you're ready, let's go see it.

🔹 Get to know inflation

Inflation is what the price of goods and services generally increases steadily. And if inflation increases, it will affect the status and well-being of the people and the economy of the country. by which to make the power to buy various products of the people has decreased And can destroy in the part of the people's savings incentives and also make the ability of competition in terms of prices with foreign countries decrease. And in addition, it also increases the risk of operating in a long period of time.

The only way to beat inflation is by investing. The formula for calculating the return on investment is as follows:

The real return on investment is equal to the return minus the inflation rate. It is wise to find assets that can yield average returns that can beat inflation.

🔹 Assets suitable for investment

1. What is called a deposit

The deposit is savings. by the type of deposit can be divided as follows

- Deposit for savings This is a form of deposit that has no time limit for deposits or withdrawals. where the depositor is able to deposit and withdraw money on a convenient date and time In which the interest on deposits in this type is approximately 0.125%-2.00% and the excess interest of 20000 baht, the depositor will have to pay withholding tax of 15% of the interest received.

- Fixed deposit, which is a deposit in the form of clearly defined deposit and withdrawal periods which the period from 3,6,12,24,36 and the maximum term is 48 months, where the interest on this type of deposit is 0.30%-1.35% and in case of withdrawal before the maturity may not be received. Interest is based on the rate announced by the bank.

- digital deposit The deposit in this form does not have an account book and has various transactions. through the application of the bank and in each bank will pay interest

2. Debt instruments

Debt instruments are suitable for those who accept less risk but still want higher returns than the interest on deposits. In the investment, it will manifest itself in borrowing. whereby those who hold bonds or investors will have part of the status as a creditor And the way that the issuance of debt securities will be in the status of a debtor or a borrower. whereby those who make investments will receive a return in the form of interest and ready to receive the principal back on the due date

The debt instruments can be categorized into 2 main types as follows:

- Government debt instruments or bonds such as treasury bills, state enterprise bonds, etc.

- Private sector bonds or debentures issued by private companies which is for fundraising

3. Gold

For gold, the average return on long-term investments is 5.20% and 8.77%, respectively. Liquidity is quite high. Because it can be converted into cash is quite easy.

4. Stock market

As for the return on investment in stocks, it comes in the form of price differences and dividends.

5. Real estate

Real estate investments are either bought for speculation or bought for rent.

How are you? I hope that this article will be useful to all readers. And see you again in the next article.

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