You managed to save your money, now it's time to learn how to multiply it correctly, because if the money just lies and does not work, then inflation can destroy all your savings.
In other words, the purchasing power of your accumulated money may simply decrease. That is why, should increase your savings by investing.
Good Money Management
Nowadays, many offer to manage your money “wisely” for a fee. Putting in your pocket, a percentage of your money, while the risks for the fact that your capital may decrease are borne only by YOU. Brokerage offices, managers, and many others, all want to receive a commission on investments in this or that sphere.
An ordinary person, in my opinion, should be wary of intermediaries, to shun freeloaders who leave themselves a percentage of your money, and leave you with risks. If someone offers services to manage your money, and you are eager to give them (money) to give him, carefully read the tariffs, price lists, of one or another organization to which you will give your hard-earned money.
Avoid middlemen and charlatans
The goal of any investor is to reduce the cost of managing their money. Simply put, give less money to intermediaries.
Ideally, do without intermediaries, but this is NOT extremely rare. Indeed, to attract investment, financial institutions (intermediaries) are required, in most cases these are banks. You should carefully study all the rules of a particular investment intermediary, a brokerage company through which you intend to invest "invest your money in business." After all any intermediary wants to receive, a share, a percentage of your money.
What is an investment? Investments are direct or indirect investments in a business with the goal of making a profit. The business makes a profit and share it with you, in exchange for the funds (money) provided by you. This is beneficial for business, as well as for an investor.
By investing in a particular sector, company or "tool" (a tool is a particular investment method by which an investor will try to earn his profit, for example, a tool can be a bond, stock, real estate, etc.), the investor receives own share, receiving capital gains or dividends.
This is ideal, of course, because the company’s affairs may not go so smoothly, the price of shares (stocks as an example) may fall, however, as dividend payments can be canceled. By investing, only you, yes yes YOU, assume all the risks associated with the investment. That’s why it’s worth take the decision to invest your money seriously.
Where to invest
Definitely answer here impossible. Someone believes in the growth of stocks on the stock exchange, and someone in the growth of real estate prices, the other in the growth of gold prices, oil prices or the notorious bitcoin. How many people have so many opinions. The investor himself should study the information about a particular "instrument" for investment, after making a difficult decision.