The stock market is a fickle beast and is quite unpredictable at the moment especially if you are trying to turn your investment into something larger. The only way to go is to invest for a longer period of time and wait it out. Sadly that isn’t for everyone as we all invest for different reasons. If you want a smart way to invest, which will not take a long time to reward you and won’t be as risky as leaving your phone in a pub then read on.
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The first investment we are going to look at is debts. Every company has them and they are much less risky that simply investing in the company by way of being a shareholder. You can loan the company the funds to pay off their debtors. If all goes well, they will pay you the money back plus interest. However, if the company folds in the mean time, you are guaranteed your money as you will be classed as a debtor. When a company crumbles the first people to get paid out are the debtors. You will even get paid before the shareholders see any of the companies cash.
Antiques, collectables and art
The best way to invest in antiques is to ensure that whatever you are looking at buying you personally like. That way if the investment turns out to not stack up, you won’t be stuck with a painting that you hate and have to lose money on. One great way to make money from these type of investments is to do your research. Throughout the summer months there are many flea markets and car boots. If you know what something is worth, and the seller has no idea you really can make a massive profit. Even if you are only doing it on a small scale popping the items on eBay. Make sure though that if you are going to invest in some more pricy items that you get enough home insurance to store the items. While we are on the subject, get some life insurance to ensure your family is protected long after you are gone.
Become a lender
This is becoming a big thing at the moment, and a lot of people find it an ethical way to boost their earnings as they are lending the cash to a business or individual as capital. In recent years, there has been a boom in money lending schemes. Not the ones on the TV where they harass poor people into buying a chocolate bar at 3000% apr, but a new way. This is called peer to peer or crowdfunding lending. You give a middleman the cash, they then break it up into smaller denominations to limit your exposure to the risk. Then it is loaned to the recipients who then pay you back over time plus the all important interest. Because your initial investment is spread across many people, you don’t have as much risk. If one of them does fold, you won’t lose as much if you had just lent it to a friend. Plus you are helping someone else who may not be able to raise more finance or get a bank loan to get themselves up the ladder.