Where Do I Put My Money?

 Hello, Mrs. Özlem. In my bank, I have a monthly interest of 24.000 TL. As you know, the bank does not earn a lot of interest, but in the meantime, I don't want to take risks. What are the tools that make the bank better without risk? 

Money Status

I can divide the money into 3, so I can break the risk. I am waiting for your suggestions.

Your question is great and a question asked by the majority. So you're not alone. I congratulate you on trying to run your money. Let him work so he can win! First of all, BüBoBi in money management , ie budget-debt closure plan-to make accumulation basic concepts. I've been writing about this for a while. We can look at investing as the next stage of accumulation. Your accumulation is getting a bit mature, coming to puberty, turning it into investment. 

Our investment is made to protect our money against inflation and to make money from money. Investment is important. Investment is required. It is very useful to consult a specialist to invest, but even if you consult with experts, you should always make your own decisions. 

Nowadays it is possible to invest in everything.Did you know you could invest in orange juice? But unfortunately, it takes many of them without understanding, people are losing a lot of money. Remember, doing nothing about money matters is better than doing something without understanding! Investment is an area that requires detailed information. It's a concept that changes according to your past, your present, your goals in life, your dreams, your expectations. I will give you a general answer because I don't know these things. 

You want a high return, without risk. That's difficult. Unfortunately for high returns you need to take high risk. I think that if the money can be protected against inflation, it can be considered as success for this period. We can talk about four financial instruments that do not include principal risk; 

one)Time deposits : The annual average of 8.75% for figures - you can get a rate of return between 9% (which you are doing this) Turna assesses savings of 75 per cent of people with deposits in banks. 

2) Short-term government bonds and treasury bills (up to 365 days) you can get from a close-interest term deposits. For example, 13.04.2011 (327 days) government bond interest is 8.38% today. But do not forget to note that government bonds and treasury bills can only give the agreed return at the end of maturity. If you need to sell in the interim period, it may be profit from the sales transaction, as well as loss! 

3) Type B liquid fund: An alternative product for demand deposits. Suitable for short-term investments that can be kept on the fly for instant money needs. Last year return is around 4%. 

4) Indexed products : Products that offer the opportunity to invest in the rise or fall of various indices such as the stock market and the dollar. In line with market conditions, it provides a higher return than standard interest rates.

Your investor profile is the 'Conservative' type, which, in the words of banks, does not want to risk the capital. For this period, my advice is 90% monthly term deposit and 10% government bonds. For more detailed advice, more detailed information is needed. Remember, the people have the power to manage your own money is yourself because you know yourself and you think best. You can do this. 
Stay with health, love and money Sağlık

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